Page 2 - MarketCast 2021 EB Brochure - California

2021 Employee Benefits

Your benefits are an important part of your overall compensation. We are pleased to offer a comprehensive
array of quality benefits to protect your health, your family and your way of life. This brochure was designed to
answer some of the basic questions you may have about your benefits. Please read it carefully along with any
supplemental materials you receive.

Eligibility
You are eligible for benefits if you are regularly scheduled to work 30 or more hours per week. You may also
enroll your eligible family members under certain plans you choose for yourself.

Eligible family members include:

• Your legally married spouse
• Your Registered Domestic Partner (RDP) and their children, where applicable by state law
• Your children who are your natural children, stepchildren, adopted children, or children for whom you have
legal custody (age restrictions may apply). Disabled children age 26 or older who meet certain criteria may
continue on your health coverage.

When Coverage Begins
st
Enrollment begins the 1 of the following month of hire.
If you enroll on time, coverage is effective on the first day of the month following from your date of hire. If you
fail to enroll on time, you will not have benefits coverage (except for company-paid benefits). Choose Carefully!

Due to IRS regulations, you cannot change your elections until the next annual Open Enrollment period, unless
you have a Qualifying Event during the year. Examples of the most common Qualifying Events are:

• Marriage or divorce
• Birth or adoption of a child
• Child reaching age 26
• Death of a spouse, Registered Domestic Partner (RDP), or child
• Change in child custody
• Change in coverage made by your spouse/ RDP during their employer’s Open Enrollment period
• You lose coverage under your spouse’s/RDP’s plan

To Make Changes to Your Benefit Elections
You must contact Human Resources within 30 days of the qualifying event (including newborns).
Be prepared to show documentation of the event such as a marriage license, birth certificate, or a divorce
decree. If changes are not submitted on time, you must wait until the next Open Enrollment period to make
your election changes.

PLEASE NOTE: This booklet provides a summary of the benefits available, but is not your Summary Plan Description (SPD). The Company
reserves the right to modify, amend, suspend, or terminate any plan at any time, and for any reason without prior notification. The
plans described in this book are governed by insurance contracts and plan documents, which are available for examination upon request.
We have attempted to make the explanations of the plans in this booklet as accurate as possible. However, should there be a discrepancy
between this booklet and the provisions of the insurance contracts or plan documents, the provisions of the insurance contracts or plan
documents will govern. In addition, you should not rely on any oral descriptions of these plans, since the written descriptions in the
insurance contracts or plan documents will always govern.

MarketCast 2021 Employee Benefits Brochure Page 1