Page 2 - ECRM 2022 Benefit Guide (OH)

OUR COMMITMENT TO YOU | a plan designed for your needs

ECRM strives to Offer a Competitive and Quality Healthcare
Program at a Reasonable Price with Continued Options for
Employees.

With that in mind, the ECRM Benefits Plan is designed to recognize the diverse needs of
our workforce. Our plan continues to:
• provide competitive and comprehensive benefits options that allow you to make
choices;
• maintain a program that considers individual needs;
• offer plans to provide long-term financial security for you and your family.

We encourage you to review all your options before making your benefit elections. Only
you can determine which benefits are the best fit for you and your family. We want you to
understand all your options and make informed decisions.

Benefit Basics
Once you elect your ECRM benefit options, your elections remain in effect for the benefit
plan year. You may only change coverage during the plan year due to a qualified "life
event" and must do so within 31 days of the event. If there isn’t a qualified "life event"
then benefit changes can be made during annual open enrollment. ECRM encourages
you to review all your benefits and dependent coverage eligibility at open enrollment and
contact Human Resources if you have questions or if you would like to make changes.

Life Events

• Change in status, which include: marital, number of dependents, employment,
dependent satisfies or ceases to satisfy eligibility requirements
• Significant cost or coverage changes to dependent’s benefits
• Changes due to judgment, decree or court order
• Entitlement to Medicare or Medicaid