Page 3 - 2025 Citizens Bank Benefits Guide

Important Information

The intent of our benefit guide is to briefly highlight your benefits and NOT to replace your insurance
contracts or booklets. The information has been compiled into summary form to outline the benefits
offered. Please refer to the contact information on page 22 of this booklet. The contact page will
provide you with the information you need to contact the specific insurance carriers and/or HR
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.

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 their hire date. Family members are eligible for medical, dental, vision, and life/AD&D
(see benefit page for dependent children age requirements).

When to Enroll
All employees are required to complete the New Hire Enrollment online as a new hire and once a
year during the Annual Open Enrollment. Open enrollment is in March for an April 1st effective
date. Enrollments are done online (see pages 20-21 for instructions). For questions please contact
Tracie Carter or our benefit broker.

Can I make changes during the plan year?

Yes, you have HIPAA Special Enrollment Rights. To review these rights, please refer to page 30 or
the Library section of your Benefit Website.

LAW TO HAVE HEALTH INSURANCE

Healthcare Law ACA still requires individuals to have medical
insurance or a qualified wavier. As of January 1, 2019, the
penalty for not having coverage has been eliminated.

Please note that the medical plans offered by Citizens Bank of Ada meet the
“minimum value standard” for health coverage according to the Affordable Care Act.

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