Page 3 - IFC Roofing Benefit Guide Jan 1 to Dec 31 2021

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 by our company. 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 includes plan information, summaries, costs, and carriers contact information. Please see the
instructions on page 26 to access this information.

Who is Eligible?

If you are a full-time W-2 or 1099 sales 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 (see each benefit page for dependent children age requirements).

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 December for a January 1st effective date. New hire
enrollment login and password will be provided by your HR with login instructions
on page 26.

Can I make changes during the plan year?

Yes, you have HIPAA Special Enrollment Rights. To review these rights, please refer to page 25.

LAW TO HAVE HEALTH INSURANCE

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

Please note that all medical plans offered by IFC Roofing & Contracting, LLC exceed the
minimum value standard for health coverage according to the Affordable Care Act.

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