Page 3 - Teacher Created Materials EE Guide 09-18 - CA

Enrollment Information

Who May Enroll
If you are a regular full‐time employee working at least 30 hours per week, you and your eligible dependents may participate in
Teacher Created Materials’ benefits program. Your eligible dependents include:
• Legally married spouse
• Domestic partner (same sex, opposite sex if > age 62)
• Children - regardless of student or marital status (< age 26)

When You Can Enroll
As an eligible employee, you may enroll at the following times:
• As a new hire, you may participate in the company’s benefits program on the first day of the month following the completion
of 30 days of full‐time employment
• Each year, during open enrollment
• Within 30 days of a qualifying event as defined by the IRS (see Changes To Enrollment below)

Paying For Your Coverage
The Employee Assistance Program and Basic Life and AD&D benefits are provided at no cost to you and are funded entirely by
Teacher Created Materials. You and the company share in the cost of the Medical, Dental, and Vision benefits you elect. Any
Voluntary Life and AD&D, Voluntary Short Term Disability, Voluntary Long Term Disability, Identity Protection, Pet Insurance, and
Legal benefits you elect will be paid by you at discounted group rates. Your Medical, Dental, and Vision contributions are deducted
before taxes are withheld, which saves you tax dollars. Paying for benefits before‐tax means that your share of the costs are
deducted before taxes are determined, resulting in more take‐home pay for you. As a result, the IRS requires that your elections
remain in effect for the entire year. You cannot drop or change coverage unless you experience a qualifying event.

Changes To Enrollment
Our benefit plans are effective September 1st through August 31st. There is an annual open enrollment period each year, during
which you can make new benefit elections for the following September 1st effective date. Once you make your benefit elections,
you cannot change them throughout the year unless you experience a qualifying event as defined by the IRS.

Examples include, but are not limited to the following:
• Marriage, divorce, legal separation or annulment • Change in your residence or workplace (if your benefit
• Birth or adoption of a child options change)
• A qualified medical child support order • Loss of coverage through Medicaid or Children’s Health
• Death of a spouse or child Insurance Program (CHIP)
• A change in your dependent’s eligibility status • Becoming eligible for a state’s premium assistance
• Loss of coverage from another health plan program under Medicaid or CHIP

Coverage for a new dependent is not automatic. If you experience a qualifying event, you have 30 days to update your coverage.
You may login to Paycom to update your dependent information as needed. Paycom login information is located on page 4 of this
guide. If you do not update your coverage within 30 days of the qualifying event, you must wait until the next annual open
enrollment period to update your coverage.

Online Carrier Resources

Take advantage of the online resources available through our insurance carriers. You can
locate network providers, manage your claims, obtain health and wellness information, and
much more!

Insurance carrier website addresses are located on page 14 of this guide.

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