Page 7 - CRITICAL ILLNESS, ACCIDENT AND HOSPITAL INDEMNITY INSURANCE ADMIN MANUAL
P. 7
THE HARTFORD’S EMPLOYEE CHOICE BENEFITS
SM
ELIGIBILITY AND EFFECTIVE DATES
OF COVERAGE Enrollment – Employees
The guidelines below are general guidelines for cases (and Dependents, If Applicable)
with annual enrollment periods. Please be aware, To enroll for contributory coverage (coverage paid
however, that eligibility and effective date guidelines partially or wholly by the employee), an employee
may be modified to meet employer needs. Therefore, must complete enrollment and submit it to their
please consult your group policy for the specifics employer (whether electronically or on paper).
concerning your eligibility and effective date of If an employee has selected dependent coverage and
coverage provisions. a new dependent becomes eligible after the initial
Eligible Classes enrollment period, the employee must notify the
employer within 31 days.
There's a section titled “Eligible Classes for
Coverage” in the Schedule of Insurance contained Effective Date of Coverage* –
in your booklet. Employee and Dependent (If Applicable)
Only individuals in the class or classes described This may be modified in your policy.
in this section are eligible for insurance. Contributory Coverage – contributory coverage for
Eligibility Waiting Period for Coverage which Evidence of Insurability is not required will
start on the latest of:
The Eligibility Waiting Period is the period of time • the first day of the month following the date the
that an employee must be an Active Employee employee becomes eligible, if he or she enrolls on
working for the employer before he or she may enroll or before that date;
for coverage. The Eligibility Waiting Period for
Coverage is contained in the Schedule of Insurance • the first day of the month following the date the
in your booklet. employee enrolls, if he or she enrolls within 31 days
An Eligibility Waiting Period is not required by of becoming eligible; or
The Hartford but may be established by your group • the first of the month following the end of the
to align with your benefit administration policies. Annual Enrollment Period, if the employee enrolls
during the Annual Enrollment Period.
When Employees Become Eligible for Coverage * The effective dates described above may be deferred
This may be modified in your policy. based on the Deferred Effective Date provisions.
In general, employees become eligible for coverage
on the latest of: Deferred Effective Date – Employee
• the Policy Effective Date; If an employee is not Actively at Work due to
a physical or mental condition on the date that
• the date they enter an eligible class; or coverage or an increase in coverage would become
• the date they complete the Eligibility Waiting effective, that coverage will not be effective until he
Period for Coverage (if any). or she is Actively at Work. However, this deferral may
not apply to initial coverage based on Continuity
When Employees Become Eligible for Dependent of Coverage from a Prior Plan. (Please read next
Coverage (If Applicable) page and refer to your policy for more information.)
Employees become eligible for dependent coverage
on the latest of the date:
• they become insured for employee coverage, or
• they acquire their first dependent.
Please be aware that a person cannot be covered as
both an employee and dependent under the policy
or as a dependent of more than one employee.
7
SM
ELIGIBILITY AND EFFECTIVE DATES
OF COVERAGE Enrollment – Employees
The guidelines below are general guidelines for cases (and Dependents, If Applicable)
with annual enrollment periods. Please be aware, To enroll for contributory coverage (coverage paid
however, that eligibility and effective date guidelines partially or wholly by the employee), an employee
may be modified to meet employer needs. Therefore, must complete enrollment and submit it to their
please consult your group policy for the specifics employer (whether electronically or on paper).
concerning your eligibility and effective date of If an employee has selected dependent coverage and
coverage provisions. a new dependent becomes eligible after the initial
Eligible Classes enrollment period, the employee must notify the
employer within 31 days.
There's a section titled “Eligible Classes for
Coverage” in the Schedule of Insurance contained Effective Date of Coverage* –
in your booklet. Employee and Dependent (If Applicable)
Only individuals in the class or classes described This may be modified in your policy.
in this section are eligible for insurance. Contributory Coverage – contributory coverage for
Eligibility Waiting Period for Coverage which Evidence of Insurability is not required will
start on the latest of:
The Eligibility Waiting Period is the period of time • the first day of the month following the date the
that an employee must be an Active Employee employee becomes eligible, if he or she enrolls on
working for the employer before he or she may enroll or before that date;
for coverage. The Eligibility Waiting Period for
Coverage is contained in the Schedule of Insurance • the first day of the month following the date the
in your booklet. employee enrolls, if he or she enrolls within 31 days
An Eligibility Waiting Period is not required by of becoming eligible; or
The Hartford but may be established by your group • the first of the month following the end of the
to align with your benefit administration policies. Annual Enrollment Period, if the employee enrolls
during the Annual Enrollment Period.
When Employees Become Eligible for Coverage * The effective dates described above may be deferred
This may be modified in your policy. based on the Deferred Effective Date provisions.
In general, employees become eligible for coverage
on the latest of: Deferred Effective Date – Employee
• the Policy Effective Date; If an employee is not Actively at Work due to
a physical or mental condition on the date that
• the date they enter an eligible class; or coverage or an increase in coverage would become
• the date they complete the Eligibility Waiting effective, that coverage will not be effective until he
Period for Coverage (if any). or she is Actively at Work. However, this deferral may
not apply to initial coverage based on Continuity
When Employees Become Eligible for Dependent of Coverage from a Prior Plan. (Please read next
Coverage (If Applicable) page and refer to your policy for more information.)
Employees become eligible for dependent coverage
on the latest of the date:
• they become insured for employee coverage, or
• they acquire their first dependent.
Please be aware that a person cannot be covered as
both an employee and dependent under the policy
or as a dependent of more than one employee.
7
