Page 3 - Bobit Benefit Guide 2018 FINAL

Enrollment Information

Who Can Be Covered
Associates scheduled to and who regularly work at least 30 hours per week (and their eligible dependents) may participate in Bobit
Business Media’s insurance program. Associates are eligible to begin medical, dental, vision, life and disability coverage on the 1st
day following 60 days from date of hire (1st of the month following 90 days from date of hire for Flexible Spending Accounts (FSA)).
Documentation is required for dependent coverage.

Eligible dependents include:
• Legally married spouse
• Children until their 26th birthday
• Legal domestic partner (same sex over age 18, or opposite sex over age 62 and entitled to Social Security benefits) or state equivalent

Open Enrollment
Each June there is an open enrollment period, during which Associates can make new benefit elections for the following July 1st
effective date.

Open enrollment is the one time of year to:
• Enroll (or enroll eligible dependents not currently covered due to waiver or a missed qualifying event enrollment opportunity
such as marriage, birth, etc.)
• Switch medical or dental plans (HMO vs. PPO)
• Apply for previously waived supplemental life or optional disability plans (subject to underwriting approval)
• Enroll in the HCRA and/or DCRA (FSA)

Paying For Your Coverage
The Basic Life and AD&D, Core LTD, and EAP benefits are provided at no cost to you and are paid entirely by Bobit Business Media.
You and Bobit share in the cost of the Medical, Dental and Vision benefits you elect. The Supplemental Life, Buy-Up LTD and
voluntary STD benefits you elect will be paid by you. Any Medical, Dental and Vision contributions are deducted before taxes are
withheld, which saves you tax dollars. Paying for benefits before-tax means your share of the costs are deducted before taxes are
determined, resulting in more take-home pay for you. You cannot change coverage unless you experience a qualified change in
family status as defined by the IRS and act timely. For a list of monthly Associate contributions, see page 10.

Declining Coverage
Eligible Associates who timely waive Bobit Business Media coverage and provide proof of current alternate employer-sponsored
medical insurance (via a spouse's employer, etc.) may be eligible to receive $60 taxable income per paycheck. You may waive the
medical/dental/vision package or waive medical but still enroll in dental/vision. Either waiver option will not change eligibility for
life, disability or FSA coverage. Insurance via COBRA is not accepted as alternate coverage. Nor are individual plans accepted as
alternate coverage with the singular exception being Medicare supplement plans for Medicare eligible associates.

Changes To Enrollment
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Our benefit plans are effective July 1 through June 30th of each year. Once you make your benefit elections, you cannot change
them during the year unless you experience a qualified change in family status as defined by the IRS. Examples of qualifying events
include, but are not limited to the following examples:
• 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

Note
Associates with a family status change have 31 days to update coverage (documentation is required within that timeframe).
Failure to act timely results in the inability to make the change until the next annual open enrollment period.

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