Page 2 - ITC Service Group 2022 Benefit Guide

WELCOME

Your benefits are an important part of your overall
compensation. We are pleased to offer a comprehensive
benefits package to protect your health, your family, and your
way of life. This guide answers some of the basic questions you
may have. Please read it carefully, along with any supplemental New in 2022!
materials you receive.
This year ITC Service Group will
be offering medical coverage
through Cigna for the 2022
Eligibility
plan year. Please review new
You are eligible for benefits if you work 30 hours or more per week. plan information carefully
You may also enroll your eligible family members under certain plans before making elections.
you choose for yourself. Eligible family members include:
 Your legally married spouse if they do not have access to other
coverage
 Your registered domestic partner (RDP) and his/her children,
where applicable by state law
Making Changes
 Your natural children, stepchildren, and adopted or children
for whom you have legal custody (age restrictions apply) To make changes to your
benefit elections, you must
 Disabled children age 26 or older who meet certain criteria
may continue on your health coverage. contact Human Resources
within 31 days of the qualified
When Coverage Begins life event (including
newborns).
New Hires: You must complete the enrollment process within 60 days

of hire. If you enroll on time, coverage is effective on the first of the Be prepared to show
month following 60 days.
documentation of the event
If you fail to enroll on time, you will NOT have benefits coverage such as a marriage license,
(except for company-paid benefits). birth certificate or a divorce
Open Enrollment: Changes made during Open Enrollment are effective decree. If changes are not
January 1, 2022 – December 31, 2022. submitted on time, you must
wait until the next Open
Choose Carefully! Enrollment period to make
your election changes.
Due to IRS regulations, you cannot change your elections until the next
annual enrollment period, unless you have a qualified life event during
the year. Common qualified life events include:
 Marriage or divorce
 Birth or adoption of a child
 Child reaching maximum age limit
 Death of a spouse, RDP, or child
 You lose coverage under spouse’s/RDP’s plan
 You gain access to state coverage under Medicaid or CHIP