Page 3 - The Final W book

W International 2024-2025
Benefit Enrollment Reminders

Thank you for choosing Salus Group as your trusted benefits partner. Please don’t hesitate to
reach out to us with any questions or concerns you may have.

Your Salus Group Point of Contact:
Stacy Harris
586.554.7672
sharris@thesalusgroup.com

Kris Morrison
248.359.6481
kmorrison@thesalusgroup.com

Please be sure to read the important information below:

A spouse is eligible for the W International health insurance plan only if the spouse is not
eligible for health insurance through the spouse's employer, Medicare, or the military.

Discuss the plan options with your family and determine what best fits your needs. All changes
must be made by completing the 2024-2025 Online Enrollment even if you are declining
coverage. If you are electing voluntary disability or voluntary life insurance, you may also have
to complete the evidence of insurability form.

You must submit a completed Evidence of Insurability Form (EOI) if you are an existing
employee electing Voluntary Life and AD&D for the first time or if you wish to elect above the G
uarantee Issue for an existing Voluntary Life and AD&D Policy.

If you are a new employee, you may elect up to the Guarantee Issue (GI) amount without
having to provide an EOI form. Completed EOI forms must be turned in to the HR Department
for your request to be considered.

Please Note: Failure to provide a completed EOI form will result in denial of request.
Open enrollment is the period of time when employees may elect or change their benefit
options. This is the only time you can make such changes unless you have a qualifying life event
(marriage, birth of child, etc.) that triggers a special enrollment period. The 2024-2025 Open
Enrollment will be passive meaning you are re‐enrolled with your existing plans to avoid any
coverage lapses as a result of NO ELECTION for Medical, Prescription, Voluntary Dental,
Voluntary Vision, Voluntary Life and AD&D and Voluntary Short & Long-Term Disability, etc.

If you are changing plans, please be sure to notify your doctor’s office and pharmacy of your
new insurance plan and give them your new insurance card.

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