Page 3 - 2025 IFC Roofing Benefit Guide
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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 on page 35 of this booklet. The contact page will provide
you with the information you need to contact the specific insurance carriers and/or Human Re-
sources Department for additional assistance. The information provided in this summary is for com-
parative 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 Navigator Benefit Portal includes plan information, summaries, costs, and carriers con-
tact information. Please see the instructions on pages 33-34 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 January for a February 1st effective date.
New hire enrollment login and password will be provided by your HR with login
instructions on page 33-34.
Can I make changes during the plan year?
Yes, you have HIPAA Special Enrollment Rights. To review these rights, please refer to page 32.
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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