Eligibility
WHO IS ELIGIBLE TO ENROLL
You are eligible for most benefit plans as a Meissner Mfg. Co., Inc. All full-time associates who are regularly working 30+ hours per week are eligible, and part-time associates who work from 20-29 hours per week on average are eligible. Your coverage begins the first of the month following 60 days. You will have the opportunity to re-enroll in the benefits program each year during the Annual Open Enrollment period unless you have a Qualifying Event. You can change your doctor and other providers year-round.
Eligible Dependents
Your Eligible Dependents
The following dependents are eligible for coverage in the Meissner Mfg. Co., Inc. benefit plans:
- Your legal spouse or domestic partner
- Your married or unmarried dependent children, regardless of student status:
- Up to the last day of their birthday month at age 26 (includes stepchildren, legally adopted children, children placed with you for adoption, and foster children)
- A dependent child, regardless of age, provided he or she is incapable of self¬support and is fully dependent on you due to a mental or physical disability as indicated on your federal tax return and is approved by your medical plan to continue coverage past age 26
Levels of Coverage
You have the option to select the level of coverage that best fits your needs from the following categories: Employee Only, Employee + Spouse, Employee + Child(ren), and Employee + Family. Due to IRS regulations, once you make your choices for 2024, you can’t change your benefits until the next Annual Enrollment period unless you have a Qualifying Life Event.
Changing Your Benefit Elections
When you enroll in health coverage, your contributions are taken before taxes and are deducted from your pay. You save money because you pay income taxes on a smaller portion of your pay. The IRS imposes certain requirements when you receive these pre-tax advantages. Specifically, your opportunities to change your elections during the year are restricted.
There are three times when you have the opportunity to enroll in or change benefits:
• As a new hire
• During an Annual Open Enrollment period each year, usually in the fall
• Within 30 days of a Qualifying Life Event
When Coverage Ends
Medical, Dental, and Vision, coverage ends on the last day of the month when your employment ends. Depending upon the circumstances of your termination you may be able to continue coverage under COBRA.
Life, AD&D, Disability, Long Term Care and Employee Assistance Program (EAP) coverage ends on the day your employment ends, you no longer meet eligibility requirements, or the date the Plan ends.
QUALIFYING LIFE EVENTS INCLUDE:
- Change in your legal marital status (marriage, divorce, or legal separation)
- Change in the number of your dependents (for example, through birth or adoption, or if a child is no longer an eligible dependent)
- Change in your (or your spouse’s) employment status (resulting in a loss or gain of coverage)
- Your child gaining or losing eligibility status
- Death of a dependent spouse or child
- Change in your employment status from full-time to part-time or part¬time to full-time, resulting in a loss or gain of coverage
- Entitlement to Medicare or Medicaid
- Change in place of employment
- Significant change in coverage
If you have a Qualifying Life Event, you have 30 days from the date of the event to provide the required documentation to Human Resources.
The election change must be consistent with the Qualifying Life Event. If you do not contact the Benefits Department within 30 days, you will not be permitted to change your benefit elections or add or drop covered dependents until the next Annual Open Enrollment period.
Waiting periods for Mutual of Omaha life, short term and long term disability and UNUM LTC are vary. Mutual of Omaha elimination periods vary based on job class.