Page 4 - SC Fuels Benefit Guide 2018 TEXAS

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 SC Fuels’ medical plan. If you are a regular, full-time employee working at least 32 hours per week, you and
your eligible dependents may participate in all other benefits offered by the company. Your eligible dependents include:
• Legally married spouse (if other insurance is not available through his/her own employer - medical only); spousal
eligibility form must be completed and turned into Human Resources; marriage certificate may be required
• Dependent children under the age of 26, regardless of student or marital status
• Registered domestic partner of same sex or opposite sex over age 62 (if other insurance is not available through
his/her own employer - medical only); affidavit may be required

WHEN YOU MAY 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 one month 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)
• You may enroll in Voluntary Life, Voluntary AD&D, Voluntary Short Term Disability and Voluntary Long Term Disability
insurance at any time, subject to proof of good health and carrier approval

PAYING FOR YOUR COVERAGE
Your contributions are deducted before taxes are withheld (voluntary products excluded), which saves you tax dollars.
Paying for benefits before-tax means that your share of the cost is 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 status change. For a list of per paycheck employee
contributions, see pages 20 and 21.

CHANGES TO ENROLLMENT
Our benefit plans are effective April 1st through March 31st. There is an annual open enrollment period each year, during
which you can make new benefit elections for the following April 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 (if other employer-offered insurance is not available), divorce, legal separation or annulment
• Birth or adoption of a child
• A qualified medical child support order
• Death of a spouse or child
• A change in your dependent’s eligibility status
• Loss of coverage from another health plan
• Change in your residence or workplace (if your benefit options change)
• Loss of coverage through Medicaid or Children’s Health Insurance Program (CHIP)
• Becoming eligible for a state’s premium assistance program under Medicaid or CHIP
• Eligibility to move to a spouse’s plan

NOTE: Coverage for a new dependent is not automatic. If you experience a qualifying event, you have 30 days to update your coverage.
Please contact the Human Resources Department at (877) 37 ASK HR (877-372-7547) immediately following a qualifying event to
complete the appropriate election forms as needed. You may login to SC Fuels’ online resources throughout the plan year by visiting
our online enrollment system, benefitsCONNECT. More information about benefitsCONNECT is located on page 21 of this booklet. 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.
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