Enrollment

Enrollment

Coverage under the optional AD&D insurance plan is not automatic. For coverage to be effective, you must enroll in the plan, authorizing payroll deductions, within 30 days of your employment. Be sure to include beneficiary designations, where applicable.

For spouse coverage, you must provide a copy of your marriage certificate. For domestic partner coverage, you must provide a copy of either an Affidavit of Domestic Partnership or the governmental registration certification.

Late Enrollment

If you do not elect optional AD&D insurance within 30 days after your initial eligibility date, you will be considered a late enrollee when you do enroll. As a late enrollee, you may enroll in these plans only during a future Open Enrollment period or if you have a family status change.

Cost of Coverage

You pay the full cost of optional AD&D insurance through automatic payroll deductions, and have the opportunity to buy this added protection at competitive group insurance rates.

The cost of optional AD&D insurance depends on the amount of coverage you select and whether you choose employee or family coverage. Should rates increase in the future, you will be notified before the increase takes effect.

Your contributions for optional AD&D insurance are made on a before-tax basis. That means they will be deducted from your regular paycheck before federal income and Social Security taxes are taken, so you pay less tax. In many cases, you also pay no state or local taxes on your contribution.

Making Changes

Each year during the Open Enrollment period, you will be able to change your optional AD&D coverage.

In addition, you may change your coverage at other times during the year if you have a change in your family status as defined by federal regulations.

The following events qualify as a change in your family status:

• Marriage, divorce or legal separation
• Formation or dissolution of a domestic partnership
• Birth or legal adoption of a child
• Death of a spouse/domestic partner or child
• A change in your employment status such that you are no longer regularly scheduled to work at least 20 hours per week

All mid-year changes resulting from a change in family status must be made within 31 days of the event. Any changes you make must be consistent with the change in your family status. You must be actively at work or on vacation for any change in coverage to take effect.

When Coverage Begins

Coverage starts on the latest of the following dates:

• The date you become eligible
• The date you return to active work if you are not actively at work on the date insurance would otherwise start
• The date you apply for insurance, if you have to pay any part of the premium
• The date your dependent is released from confinement (if he or she is confined in a hospital or care facility on the date coverage is otherwise scheduled to begin).

If you or a dependent is a late enrollee and enrolls during a subsequent Open Enrollment period, coverage will begin on the following January 1st, provided you are actively at work that day. If you are not on active status, coverage will begin after you have returned to active status and have worked one full day.

When Coverage Ends

Coverage ends on the earliest of the following dates:

• The last day of the month in which you retire
• The last day of the month during which you were last actively at work
• The date the plan terminates
• The last day of the month you are no longer eligible
• The end of the period for which you last made required contributions for optional AD&D coverage
• For dependent insurance:
  • The date that your insurance stops
  • The date that dependent insurance under the policy stops
  • The last day of the month in which your dependent is no longer eligible

• For a child with an intellectual disability or physical handicap:
  • The date the child becomes covered under any other group plan
  • The date the child is no longer incapacitated
  • The date you do not give the insurance company proof of the child's incapacity when requested
  • The end of the period for which you paid premiums for this continuation, if you do not make the next required premium contribution when due
  • The date your dependents’ insurance would otherwise stop