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The same general eligibility rules apply to a domestic partner and dependents as apply to a spouse and
dependents. However, a domestic partner is not eligible for state or federal Continuation Coverage, unless
he or she lives in a state that recognizes common-law marriages and the domestic partners satisfy the state
requirements for common-law marriage. Also, the employee contribution for the domestic partner’s
coverage must be after tax, and the value of the coverage is taxable if Your domestic partner is not Your
dependent under the tax laws.
Your domestic partner is Your “dependent” if You are providing over half of that individual’s support for the
taxable year and if that individual lives with You during the taxable year. If that is the case, please contact
the Human Resources Department, Chesterfield, at (636) 530-8017.
How to Add Your Spouse, Domestic Partner or Children
To add Your spouse or domestic partner and/or eligible unmarried children as special enrollees, complete
an Enrollment/Change Form and send it to Your Benefits Department within 30 days of the qualifying event.
Nondiscrimination
No person who is eligible to enroll will be refused enrollment based on health status, health care needs,
genetic information, previous medical information, disability, sexual orientation or identity, gender, or age.
Special Enrollees
A Special Enrollee is an employee or family member who is eligible to enroll during a Special Enrollment
Period. This is a 30-day period after certain events occur.
You can be a Special Enrollee due to marriage, establishment of a domestic partnership or the birth,
adoption or placement for adoption of a child.
You can also be a Special Enrollee if You declined this coverage initially because You had other coverage
but then You lost the other coverage because:
You divorced or were legally separated;
Your spouse or domestic partner died;
Your spouse or domestic partner lost coverage due to lay-off, termination or reduction in work
hours;
You chose not to take Continuation Coverage or used up Continuation Coverage;
There is a substantial decrease in spouse’s or domestic partner’s medical benefits or significant
increase in premium during open enrollment.
Coverage for Special Enrollees starts on the date of the qualifying event as long as they are enrolled within
30 days of the event.
Note: Employees or their dependents who lost their other coverage due to fraud or nonpayment of
employee contributions are not eligible for a Special Enrollment Period.
Special Enrollment
If an Employee or Dependent does not apply for coverage when they were first eligible, they may be able
to join the Plan prior to Open Enrollment if they qualify for Special Enrollment. Except as noted otherwise
below, the Employee or Dependent must request Special Enrollment within 30 days of a qualifying event.
Special Enrollment is available for eligible individuals who:
Lost eligibility under a prior health plan for reasons other than non-payment of premium or due to fraud
or intentional misrepresentation of a material fact.
Exhausted COBRA benefits or stopped receiving group contributions toward the cost of the prior health
plan.
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dependents. However, a domestic partner is not eligible for state or federal Continuation Coverage, unless
he or she lives in a state that recognizes common-law marriages and the domestic partners satisfy the state
requirements for common-law marriage. Also, the employee contribution for the domestic partner’s
coverage must be after tax, and the value of the coverage is taxable if Your domestic partner is not Your
dependent under the tax laws.
Your domestic partner is Your “dependent” if You are providing over half of that individual’s support for the
taxable year and if that individual lives with You during the taxable year. If that is the case, please contact
the Human Resources Department, Chesterfield, at (636) 530-8017.
How to Add Your Spouse, Domestic Partner or Children
To add Your spouse or domestic partner and/or eligible unmarried children as special enrollees, complete
an Enrollment/Change Form and send it to Your Benefits Department within 30 days of the qualifying event.
Nondiscrimination
No person who is eligible to enroll will be refused enrollment based on health status, health care needs,
genetic information, previous medical information, disability, sexual orientation or identity, gender, or age.
Special Enrollees
A Special Enrollee is an employee or family member who is eligible to enroll during a Special Enrollment
Period. This is a 30-day period after certain events occur.
You can be a Special Enrollee due to marriage, establishment of a domestic partnership or the birth,
adoption or placement for adoption of a child.
You can also be a Special Enrollee if You declined this coverage initially because You had other coverage
but then You lost the other coverage because:
You divorced or were legally separated;
Your spouse or domestic partner died;
Your spouse or domestic partner lost coverage due to lay-off, termination or reduction in work
hours;
You chose not to take Continuation Coverage or used up Continuation Coverage;
There is a substantial decrease in spouse’s or domestic partner’s medical benefits or significant
increase in premium during open enrollment.
Coverage for Special Enrollees starts on the date of the qualifying event as long as they are enrolled within
30 days of the event.
Note: Employees or their dependents who lost their other coverage due to fraud or nonpayment of
employee contributions are not eligible for a Special Enrollment Period.
Special Enrollment
If an Employee or Dependent does not apply for coverage when they were first eligible, they may be able
to join the Plan prior to Open Enrollment if they qualify for Special Enrollment. Except as noted otherwise
below, the Employee or Dependent must request Special Enrollment within 30 days of a qualifying event.
Special Enrollment is available for eligible individuals who:
Lost eligibility under a prior health plan for reasons other than non-payment of premium or due to fraud
or intentional misrepresentation of a material fact.
Exhausted COBRA benefits or stopped receiving group contributions toward the cost of the prior health
plan.
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