When You Are a New Employee
Be sure to consider your options carefully when you first enroll. If you decline or drop some of your State coverages and want to pick them up again another year, you may have to prove insurability through medical underwriting to be covered again, or have longer waiting periods to receive full benefits.
Dental
There is a much shorter waiting period in the Regular and PPO options if you sign up immediately. Late enrollment penalties will apply to the Regular and PPO options if you do not enroll now, but elect to do so in the future. The Dental DHMO Option does not have waiting periods or late enrollment penalties.
Spending Accounts
Your paycheck reductions for the spending accounts will start the 15th of your first full calendar month of employment. Your total contributions to each account are prorated by the number of months you participate in these options up to the maximum monthly amount allowed for each account.
Once you enroll, you may submit claims for services incurred on or after the first of the month after you have completed one full calendar month of employment. If, for example, you are hired July 8 and sign up for a spending account, reductions will start on August 15. You can begin submitting claims for services that you incur on or after September 1.
Long-Term Care
You have a one-time opportunity to sign up for long-term care insurance without providing medical underwriting.
Employee Life, Spouse Life and Child Life
You have a one-time opportunity to choose some employee, spouse and child life insurance coverage without providing medical underwriting. View chart for medical underwriting requirements.
Specified Illness
You have a one-time opportunity to sign up for the Specified Illness guaranteed levels ($5,000, $10,000 or $20,000) without providing medical underwriting.
Disability
- You have a one-time opportunity to sign up for long-term disability coverage without providing medical underwriting.
- You have a one-time opportunity to sign up for short-term disability without being subject to a late entrant waiting period during your new hire eligibility period.
Other Coverage
There are no medical underwriting requirements at any time for legal insurance, AD&D, spending accounts, or vision benefits.