Page 4 - California Steel EE Guide 01-2020

ENROLLMENT INFORMATION

Who May Enroll
If you are a regular full‐time employee working at least 30 Examples of qualifying events include, but are not limited to
hours per week on a continual basis, you and your eligible the following:
dependents may participate in CSI’s benefits program. • Marriage, divorce, legal separation or annulment
• Birth or adoption of a child
Your eligible dependents include: • A qualified medical child support order
• Legally married spouse • Death of a spouse or child
• Registered domestic partner • A change in your dependent’s eligibility status
• Children under the age of 26, regardless of student or • Loss of coverage from another health plan
marital status • Change in your residence or workplace (if your benefit
options change)
When You Can Enroll • Loss of coverage through Medicaid or Children’s Health
As an eligible employee, you may enroll at the following times: Insurance Program (CHIP)
• As an eligible new hire, you may participate in the • Becoming eligible for a state’s premium assistance
company’s benefits program on the first day of the month program under Medicaid or CHIP
coinciding with or next following your date of hire
• Each year, during open enrollment Coverage for a new dependent is not automatic. If you
• Within 30 days of a qualifying event as defined by the IRS experience a qualifying event, you have 30 days to update your
(see Changes To Enrollment below) coverage. Please contact the Human Resources Department
• You may enroll in Supplemental Life and Voluntary AD&D immediately following a qualifying event to complete the
appropriate election forms as needed. If you do not update
insurance at any time, subject to proof of good health and
your coverage within 30 days of the qualifying event, you must
carrier approval
wait until the next annual open enrollment period to update
Changes To Enrollment your coverage.
Our benefit plans are effective January 1st through December
31st. There is an annual open enrollment period each year,
during which you can make new benefit elections for the
following January 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.

Paying For Your Coverage
The Dental, Vision, Employee Assistance Program, Basic Life/AD&D, Short Term Disability and Long Term Disability benefits are
provided at no cost to you and are funded entirely by CSI. You and the company share in the cost of the Medical benefits you elect.
Any Supplemental Life and Voluntary AD&D you elect will be paid by you at discounted group rates. Your Medical 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.

Online Benefit Plan Administrators/Carrier Resources

Take advantage of the online resources available through our PPO Medical and Prescription
Drug Benefit Plan Administrators and our Insurance Carriers. You can locate network pro-
viders, manage your claims, order ID cards, obtain health and wellness information, and
much more!

Our Benefit Plan Administrators and Insurance carrier website addresses are located on
page 18 of this guide.

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