Page 6 - 2022 Benefits Resource Guide

Benefits eligibility, cont.

Dependent eligibility verification
As Texas Mutual is the sponsor of self-funded medical and dental plans,
the company has a fiduciary responsibility to ensure plan resources are
used appropriately. The company conducts dependent eligibility
verifications as part of your benefit enrollment process. If you enroll new
dependent(s) in the medical and/or dental plan(s), you must provide
documentation which supports the dependent relationship within 60 days
of your benefit enrollment effective date. Your Benefits Partner will
contact you to begin the verification process.

If you do not provide the required documentation by the communicated
due date, coverage for the applicable dependent(s) may be terminated
effective the last day of the month in which the dependent is determined
to be ineligible.

Changing your pre-tax benefit elections
Medical, dental and cancer plan premiums, as well as flexible spending
account (FSA) contributions are deducted on a pre-tax basis. You may
make a change to these benefits during the plan year if you experience
an event which results in a qualifying change in status. Without a
qualifying event, you may only change these benefits during annual
open enrollment.

You must initiate and complete your benefit election change in Workday
within 31 days of the qualifying event date and your election change
must be consistent with the qualifying event reason. Note: when ending
coverage, the coverage will end on the last day of the calendar month in
which you submit the change in Workday.

Federal law considers the following events to be examples of a qualifying
change in status:

■ You get married or divorced
■ You give birth to or adopt a child
■ Your spouse and/or child commences or terminates employment
■ You and/or your spouse take(s) an unpaid leave of absence
■ You, your spouse, or your child has a significant change in health
coverage directly attributable to employment

■ A dependent satisfies or ceases to satisfy the dependent
eligibility requirements
■ Your spouse and/or child dies

Changing your post-tax benefit elections
The changes you can make to your post-tax elections depend on the
benefit plan. For the supplemental life plan, you may request a change
to your election at any time. New enrollments and increase requests will
go through appropriate medical underwriting with our benefit vendor. For
the identity theft protection plan, you may request to change your
coverage level at any time. For the supplemental long-term disability
plan, you may cancel your election at any time.

Employee Benefits Guide 3