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Welcome to Gray







            This guide offers a snapshot of

            the benefits available to you as a


            member of the Gray Family. Please

            review it carefully to determine which


            plans are right for you and your

            family, and don’t be afraid to ask

            questions!






            A few quick reminders:



              • Your benefits will take          • You have 30 days from           • Information on your benefit
                effect the first day of the       your eligibility date to make      plans can be accessed
                month, or the first day           your selections. If you waive      anytime through our
                of the following month,           your benefits during your          online benefits portal,
                depending on your date of         initial enrollment period, you     BenSelect. Learn how to
                hire. For example, if you are     can only enroll during open        log-on to BenSelect and enroll
                hired April 1, your benefits take   enrollment for a January 1       in your benefits on page 9.
                effect immediately. If you are    effective date, or if you have
                hired after April 1, your benefits   an IRS Qualified Event.
                take effect May 1. Now is the
                time to review, evaluate and
                make your selections.





















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