Page 2 - HR_10930_2022_Benefits_Book_v6_pages - With Links for Flipbook

Our Commitment to You

The Plymouth Rock Group of Companies is pleased to offer a comprehensive benefits package
designed to provide quality services to employees and their families. This guide is intended to
supply you with the information needed to understand your Plymouth Rock benefits.

For additional details on your benefits, you should review each program’s Summary Plan
Description (SPD) and Plan Document. SPDs and Plan Documents are available through Human
Resources (upon request) and on the Company’s intranet site, RockTalk Insider.

Eligibility and Effective Date of Benefits
Benefits are offered to employees regularly scheduled to work 20 or more hours per week. Benefits coverage for you
and your dependents starts on your first day of employment if you enroll within 30 days of hire. Eligible dependents
are your spouse, domestic partner*, civil union partner and children under the age of 26.
*If you choose to cover a domestic partner on your benefits the additional premium will be deducted post-tax and imputed
income will be added to your taxable earnings. Imputed income is the fair market value of your domestic partner’s coverage.

Making Changes During the Year: Open Enrollment and Life Events
Generally, you can only change your benefits during an open enrollment period. However, you can change your
benefit elections during the year within 30 days of experiencing a Qualifying Life Event.

Qualifying Life Events include:
• Marriage, divorce or legal separation

• Birth or adoption (or placement for adoption) of a child
• Death of a dependent
• Loss of “Dependent Child” status (age 26)
• Change in your eligible dependent’s employment status
If you experience a change in family status, any change you make to your coverage must be consistent with your
family status change, must directly impact your benefits eligibility and/or result in the loss of coverage. Your
coverage change request must be made within 30 days of the Qualifying Life Event.
If you leave the company, benefits coverage ends on your last day of employment at 11:59 pm.

Disclosures
Should there be a conflict between this communication and the carriers’ materials and SPD, the carriers’ materials
and SPD will prevail.

This guide describes the benefit plans available to you as an employee of Plymouth Rock. The details of these plans are contained in the official plan
documents, including some insurance contracts. This guide is meant only to cover the major points of each plan. It does not contain all of the details that
are included in your Summary Plan Description (SPD) (as described by the Employee Retirement Income Security Act). If there is ever a question about
one of these plans, or if there is a conflict between the information in this guide and the formal language of the plan documents, the formal wording in the
plan documents will govern. Please note that the benefits described in this guide may be changed at any time and do not represent a contractual obligation
on the part of Plymouth Rock Assurance.