Page 4 - Arktura EE Guide 12-17 - Final Sent 11.3.17

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
Arktura’s benefits program. Your eligible dependents include:
• Legally married spouse
• Registered domestic partner per state mandate
• Children under the age of 26, regardless of student or marital status

WHEN YOU CAN ENROLL
As an eligible employee, you may enroll at the following times:
• As a new hire, you may participate in Arktura’s benefits program on the first day of the month following the completion of 60
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/AD&D benefits are provided at no cost to you and are paid entirely by Arktura.
You and Arktura share in the cost of the Medical benefits you elect. Dental, Vision, Voluntary Life and AD&D, and Voluntary Long
Term Disability 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 December 1st through November 30th. There is an annual open enrollment period each year, during
which you can make new benefit elections for the following December 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 EaseCentral to update your dependent information as needed. EaseCentral login information is located on page
13 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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