Terms and Conditions

Benefit	Effective Date
Accident Insurance	Effective the 1st of the month after start date
Critical Illness 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
Health Insurance	Effective the 1st of the month after start date
Hospital 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 unpaid 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 unpaid 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 may be continued through COBRA coverage. All other benefits are canceled on the last day of the protected leave. Once you return to work, you have 30 calendar days to sign up for benefits.
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)

Benefit	Benefit end date
Accident Insurance	Ends the last day of the month in which the employee worked
Critical Illness Insurance	Ends the last day of the month in which the employee worked
Dental Insurance	Ends the last day of the month in which the employee worked
EyeMed	Ends the last day the employee worked
Flexible Spending Accounts	Can be used to reimburse for expenses incurred up through the last day of employment. Please contact Cafeteria Plan Advisors if you have any questions on this benefit. Reimbursement forms can be found on the FSA section of our website here. You have 90 days to submit claims to CPA for reimbursement for expenses incurred through the last day of employment.
Health Insurance	Ends the last day of the month in which the employee worked. *One exception is some school employee's benefits continue through 8/31 after ending employment in June. Please contact benefits@wellesleyma.gov to find out if this applies to you.
Hospital Insurance	Ends the last day of the month in which the employee worked
Life Insurance	Ends the last day the employee worked. All life insurance policies have a conversion/portability option. If interested in this option, please download the conversion form and email it to benefits@wellesleyma.gov within 30 days of leaving/resigning to have HR input the info needed for conversion/portability.
Long Term Disability	Ends the last day the employee worked