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Terms and Conditions
| Benefit | Effective Date |
|---|---|
| Health Insurance | Effective the 1st of the month after start date |
| Dental Insurance | Effective the 1st of the month after start date |
| EyeMed | Effective the 1st of the month after start date |
| Life Insurance | Effective the 1st of the month after your 30 day benefit enrollment period ends |
| 40% Long Term Disability | Effective date is your start date |
| 60% Long Term Disability | Effective date is the date you enroll in this benefit (if this is elected during open enrollment, the insurance company will approve or deny any increase in coverage) |
| Accident Insurance | Effective the 1st of the month after start date |
| Hospital Insurance | Effective the 1st of the month after start date |
| Critical Illness Insurance | Effective the 1st of the month after start date |
| Leave of Absence | While on a protected leave (FMLA or MPLA), all benefits and premiums remain the same.
If a non-protected leave is 30 days or less, all benefits remain. Medical insurance is billed at the cost of the full premium. Other benefits are billed at the normal premium.
If a non-protected leave is over 30 days, medical insurance remains and is billed at the cost of the full premium. Dental insurance is canceled on the last day of the month that the non-protected leave starts and is billed at the cost of the full premium. All other benefits are canceled on the last day of the protected leave. |