Page 3 - Premier EE Guide 12-17 - Texas final

ENROLLMENT INFORMATION

Who May Enroll Changes To Enrollment
If you are a regular active full‐time or part-time employee Our benefit plans are effective December 1st through November
working at least 20 hours on a continual basis (includes 30th of each year. There is an annual open enrollment period
project support staff, but excludes internal and external each year, during which you can make new benefit elections for
temporary staff), you and your eligible dependents may the following December 1st effective date. Once you make your
participate in PACU’s benefits program. benefit elections, you cannot change them during the year unless
you experience a qualifying event as defined by the IRS.
Your eligible dependents include:
• Legally married spouse Examples include, but are not limited to the following:
• Domestic partner • Marriage, divorce, legal separation or annulment
• Children under the age of 26, regardless of student or • Birth or adoption of a child
marital status for medical, dental, vision and optional • A qualified medical child support order
life • Death of a spouse or child
• A change in your dependent’s eligibility status
When You Can Enroll • Loss of coverage from another health plan
As an eligible employee, you may enroll at the following • Change in your residence or workplace (if your benefit
times: options change)
• As a new hire, you may participate in the company’s • Loss of coverage through Medicaid or Children’s Health
benefits program on the first day of the month Insurance Program (CHIP)
following the completion of 60 days of full‐time active • Becoming eligible for a state’s premium assistance program
employment (after 6 months for disability coverage) under Medicaid or CHIP
• Each year, during open enrollment
• Within 30 days of a qualifying event as defined by the Coverage for a new dependent is not automatic. If you experience
IRS (see Changes To Enrollment below) a qualifying event, you have 30 days to update your coverage. You
• You may enroll in Voluntary Life and AD&D insurance at may login to ADP to update your dependent information as
any time, subject to proof of good health and carrier needed. ADP login information is located on page 4 of this guide.
approval If you do not update your coverage within 30 days from the
qualifying event, you must wait until the next annual open
enrollment period to update your coverage.
Paying For Your Coverage
The Employee Assistance Program, Basic Life/AD&D and Short Term Disability benefits are provided at no cost to you and are paid
entirely by PACU. You and the company share in the cost of the Medical and Dental benefits you elect. Any Vision, Voluntary Life,
and Pet Insurance you elect will be paid by you at discounted group rates. You have the choice of having PACU pay for Long Term
Disability benefits or you can pay with post-tax employee contributions to receive a tax-free benefit at the time of a disability. 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.

Please note that unless your domestic partner qualifies as your tax dependent for health care purposes under the Internal Revenue
Code, Federal Tax Law requires that the premium cost for your domestic partner and his/her children will be deducted from your
paycheck on an after-tax basis. The value of Premier’s portion of the premium will result in “Imputed Income” to you. This amount
will be included as an additional wage paid to you on your pay stub for the cost of the domestic partner’s premium on which you
will pay Federal Taxes.

Online Carrier Resources
Take advantage of the online resources available through our insurance carriers. You can lo‐
cate 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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