Page 3 - BB Dakota Benefit Summary 12-2017.pub
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Enrollment Information
Who May Enroll
If you are a regular full‐ me employee working at least 30 hours per week, you and your eligible dependents may par cipate in BB
Dakota’s benefits program. Your eligible dependents include:
Legally married spouse
Registered domes c 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 mes:
As a new hire, you may par cipate in BB Dakota’s benefits program on the first day of the month following the comple on of
30 days of full‐ me 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 Basic Life and AD&D benefits are provided at no cost to you and are paid en rely by BB Dakota. You and the company share in
the cost of the Medical and Dental benefits you elect. Any Voluntary Vision benefits you elect will be paid by you at discounted
group rates. Your Medical, Dental, and Vision contribu ons 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, resul ng in more take
‐home pay for you. As a result, the IRS requires that your elec ons remain in effect for the en re year. You cannot drop or change
coverage unless you experience a qualifying event.
Changes To Enrollment
Our benefit plans are effec ve December 1st through November 30th of each year. There is an annual open enrollment period
each year, during which you can make new benefit elec ons for the following December 1st effec ve date. The Flexible Spending
Account is effec ve January 1st through December 31st of each year. Once you make your benefit elec ons, you cannot change
them during 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 separa on or annulment Change in your residence or workplace (if your benefit
Birth or adop on of a child op ons 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 automa c. If you experience a qualifying event, you have 30 days to update your coverage.
Please contact the Human Resources Department immediately following a qualifying event to complete the appropriate elec on
forms as needed. If you do not update your coverage within 30 days from the qualifying event, you must wait un l 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 informa on, and
much more! Insurance carrier website addresses are located on page 9 of this guide.
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