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eligibility
You are eligible for benefits if you are an active, regular What Happens if you do not enroll yourself &
full-time employee of Sterling Mets, LP regularly scheduled dependents when first eligible
to work at least 35 hours per week and not covered by a If you do not enroll yourself and your dependents when first
Collective Bargaining Agreement. eligible, you will need to wait until the next annual enrollment
Your benefits become effective on the date as outlined in the period, unless you experience a qualifying life event. See
Your Benefits: Quick Stats charts on pages 2 and 3. Making Changes During the Year outlined below for more
information.
Your dependents are eligible for coverage on the same date
as you. Eligible dependents include your:
Making Changes During the Year
Legal spouse/domestic partner (same or opposite sex)
The IRS requires that elections for benefits paid for on a pre-
Children up to age 26, including stepchildren, foster tax basis remain in effect for the full plan year. However, the
children and adopted children IRS permits mid-year changes within 30 days of a qualifying life
event. Examples of qualifying life events are:
Disabled child of any age (with documentation) who is
dependent on you for support due to a mental or physical Your marriage, divorce, legal separation or annulment,
handicap that occurs before reaching age 26
The birth of your baby, or adoption or placement of a child
with you for adoption, or another change in the number of
your dependents,
The death of a dependent,
Your dependent’s eligibility or ineligibility for coverage
(e.g., he or she reaches the plan’s eligibility age limit),
A change in work location or home address for you, your
spouse or your dependents,
A change in coverage of your spouse or your dependent
under another plan,
Your qualification for a special enrollment under the
Health Insurance Portability and Accountability Act of 1996
(HIPAA),
A court order received by the plan, such as a Qualified
Medical Child Support Order (QMCSO), or
You, your spouse or your dependent’s qualification for
Medicare or Medicaid.
Your change must be consistent with your change in status
(e.g., you can add your new baby to your health care coverage,
but you cannot change plans).
If you need to make an election change during the year or
have questions about what constitutes a life status change,
contact Human Resources.
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