Page 3 - Wesco Benefit Guide Effective 9-1-2024

Important Information

The intent of our benefit guide is to briefly highlight your benefits and NOT to replace your insurance
contracts or booklets. This information has been compiled into summary form to outline the benefits
offered. If this benefit guide does not address your specific benefit questions, please refer to the
Contact Information page of this booklet. The contact page will provide you with the information
you need to contact the specific insurance carriers and/or Human Resources Department for
additional assistance. The information provided in this summary is for comparative purposes only.
Actual claims paid are subject to the specific terms and conditions of each policy contract. This
benefit guide does not constitute SBC’s, policy or contract. Your Employee Benefit Portal through

Employee Navigator includes plan information, summaries, costs, carriers contact information and
more. Please see the instructions on pages 21-22 to access this information.

Who is Eligible?

If you are a full-time employee, working a minimum of 30 hours per week, you
are eligible to enroll in the benefits described in this guide. New employees
are eligible on the first of the month following 60 calendar days of
employment. Family members are eligible for medical, dental and vision.

When to Enroll?

All employees are required to complete the New Hire Online Enrollment at new
hire and once a year during the Annual Open Enrollment.
Open enrollment is in August for a September 1st effective date. Please see online Instructions
on pages 21-22 or ask your contact, Jennifer Dietrich or Richard Showmaker .

Can I make changes during the plan year?

Yes, you have HIPAA Special Enrollment Rights. To review these rights, please refer to page 19 or the Library
section of your Benefit Website.

LAW TO HAVE HEALTH INSURANCE

Individuals are still required to have medical unless you
have qualified waivers as mandated by current law. The
penalty fine for not having coverage ended January 1,
2019.

Please note that all medical plans offered by Wesco Refractories, Inc. exceed the
minimum value standard for health coverage according to the Affordable Care Act.

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