Benefits Basics

Eligibility

You are eligible for benefits if you are an active employee working on a full-time basis for 20 hours or more per week. You become eligible on your first day of employment.

Family members are also eligible for medical, critical illness, accident and hospital insurance, dental, vision, dependent life, optional AD&D, Employee Assistance Program (EAP), identity theft protection, and legal insurance.

For medical coverage, family members include:

Your spouse or qualified domestic partner
Your children under the age of 26* (coverage ends at the end of the month in which your child turns 26)

*The tax laws regarding Health Savings Accounts (HSAs) do not allow HSAs to be used for adult dependent children unless they are considered a tax dependent. If you have a child who is under age 26 but no longer a tax dependent, he or she may open their own HSA with a banking institution that offers Health Savings Accounts.

For dental and vision coverage, family members include:

Your spouse or qualified domestic partner
Your unmarried children who rely on you for more than 50% of their financial support as follows:
- Children under age 19
- Children ages 19 up to 25, provided they are full-time students taking 12 or more units at an accredited school (9 units for graduate school)
- Children who are physically or mentally incapacitated regardless of age

If you and your spouse/domestic partner both work for Canon Medical Systems, you may each be enrolled as an employee or be covered as a dependent of the other person, but not both. If you and your spouse/domestic partner are both covered as employees under a Company health care plan, only one of you may enroll your child as a dependent.

For Health Care FSA coverage, eligible family members include:

Your spouse
Your children under the age of 26 (coverage ends at the end of the year in which your child turns 26)

For other benefit plans, please see the applicable summary plan description for details about dependent coverage.

Domestic partners and their dependents

For purposes of this website, domestic partner also means a same-sex spouse or civil union partner.

Your domestic partner is eligible for coverage if:

You are legally married; or
Your partnership is registered with any state or local government registry; or
You and your domestic partner meet all of the following criteria:

Not married or married to anyone else;
At least 18 years of age and mentally competent;
Not so closely related by blood that a legal marriage would be prohibited;
Have an intimate, committed relationship of mutual caring;
Share the same principal residence;
Agree to be responsible for each other's basic living expenses during the partnership and agree that anyone who is owed expenses can collect from either partner; and
Neither partner has had another domestic partner in the last six months (this condition does not apply if you had a partner who recently died).

Proof of eligibility required

All claim payments will suspend until the information is received by Aetna and Canon Medical Systems when requested. If your child no longer qualifies for full-time student status, please contact the Benefits Department to remove him or her from your coverage.

Ensuring only eligible participants are enrolled enables the Company to further improve our efficiency and better manage rising health care costs.

Cost

The Company pays for basic life insurance, basic critical illness benefits, accident and hospital insurance if you are enrolled in a Company medical plan, long term disability, Business Travel Accident insurance, and EAP benefits.
You and the Company share in the cost of medical, dental, and vision coverage. Your cost is based on the benefit plans you elect, the dependents you cover, and the choices you make when using the plans.
You may choose to purchase coverage for the Health Savings Account (HSA), voluntary critical illness benefits, accident and hospital insurance if not enrolled in a Company medical plan, flexible spending accounts (FSAs), supplemental life insurance, dependent life insurance, optional AD&D insurance, short term disability, identity theft protection, legal insurance, long term care and life insurance, college savings plan, and commuter benefits.

Pre-tax deductions

Your contributions for health care, HSA and HSA catch up, FSAs, 401(k) and 401(k) catch up, commuter benefits, and optional AD&D insurance are made through semi-monthly paycheck deductions. These deductions are taken on a pre-tax basis, which helps reduce your tax liability.

After-tax deductions

Your semi-monthly contributions for voluntary critical illness, supplemental life insurance, dependent life insurance, identity theft protection, legal insurance, long term care and life insurance, college savings plan, Roth 401(k) and Roth 401(k) catch up, and short term disability are deducted on an after-tax basis.

The cost for domestic partners and their children must also be deducted on an after-tax basis, as required by the IRS, unless they are federal tax dependents. In addition, the value of your domestic partner's coverage is considered taxable income to you, resulting in additional income tax withholding. This additional taxable amount—called "imputed income"—is shown on your pay stub and is reported as "other compensation" on your W-2 form.

Enrollment

You may enroll for coverage or make changes to your elections at the following times:

Within 30 days of starting as a new hire. New employees make their benefits elections through the new hire onboarding system. Coverage is effective on your date of hire. Any delays in enrollment may affect your participation in certain plans or require that you provide proof of good health to the insurance companies.
During the annual Open Enrollment held each fall. Changes made during Open Enrollment are effective on the following January 1.
Within 31 days of a qualified status event. Unless mandated by law, coverage for the change is effective on the date of the qualified status event. For medical coverage, if the qualified status event is due to birth of a child, coverage will be effective on the child's date of birth.

Once you make your elections, you will not be able to make changes to your benefits coverage until the next Open Enrollment period, unless you have a qualified life event. In addition, you may have special enrollment rights even if you declined coverage.

Identification cards will be issued for medical and dental coverage. You may print a temporary medical ID card at aetna.com and a temporary dental ID card at www.deltadentalins.com/cmsu (please contact the Benefits Department for the information you will need to register).

If you need to use health care services before you receive your identification cards, ask your provider to confirm eligibility by calling Aetna's Customer Service at 800-635-3364 or Delta Dental's Customer and Member Services at 800-765-6003. Remember to use network providers whenever possible to ensure the highest level of benefits available.

Health care coverage levels

You may make separate elections for medical, dental, and vision coverage or you may waive these coverages. When you enroll in your benefits, you may choose one of the following coverage levels:

Employee Only
Employee + Spouse/DP
Employee + Child
Employee + Children (2+)
Employee + Spouse/DP + Children (1 or 2)
Employee + Spouse/DP + Children (3+)