Effective Dates and Defaults
In order to determine the effective date of your benefit plans (the date your benefits begin), you must know your date of eligibility.
Examples:
- If your date of eligibility is the September 1, your first full month of eligibility is September.
- If your date of eligibility is any other date (e.g., September 10), your first full month of eligibility is October.
Medical Plans | |
| EFFECTIVE DATE | DEFAULT ENROLLMENT |
| 1st day of the first full month of eligibility | Anthem Blue Cross and Blue Shield Lumenos - employee only coverage |
Dental Plans | |
| EFFECTIVE DATE | DEFAULT ENROLLMENT |
| 1st day of the first full month of eligibility | Delta Exclusive Panel Option (EPO) - employee only coverage |
Premium Only Plan | |
| EFFECTIVE DATE | DEFAULT ENROLLMENT |
| 1st day of the first full month of eligibility | Waived |
Health Care & Dependent Care Flexible Spending Accounts | |
| EFFECTIVE DATE | DEFAULT ENROLLMENT |
| 1st day of the month following the date HR receives your form | Waived |
Basic Term Life/AD&D Insurance Plans | |
| EFFECTIVE DATE | DEFAULT ENROLLMENT |
| 1st day of the first full month of eligibility | Enrolled |
Optional Term Life/AD&D Insurance Plans | |
| EFFECTIVE DATE | DEFAULT ENROLLMENT |
| • 1st day of the first full month of eligibility when no evidence of insurability (EOI) is required • Date of approval by Standard Insurance Company when EOI is required |
Waived |
Voluntary Accidental Death and Dismemberment Insurance | |
| EFFECTIVE DATE | DEFAULT ENROLLMENT |
| 1st day of the first full month of eligibility | Waived |
Short Term Disability Insurance Plan | |
| EFFECTIVE DATE | DEFAULT ENROLLMENT |
| • 1st day of the first full month of eligibility when no evidence of insurability is required • Date of approval by Standard Insurance Company when EOI is required |
Waived |
Long Term Disability Insurance Plan | |
| EFFECTIVE DATE | DEFAULT ENROLLMENT |
| 1st day of the month following one-year of benefits-eligible employment | Enrolled |
401(a) Retirement Plan | |
| EFFECTIVE DATE | DEFAULT ENROLLMENT |
| 1st day of the month following date of eligibility | 1st day of the month following date of eligibility |
403(b) Plans | |
| EFFECTIVE DATE | DEFAULT ENROLLMENT |
| • Forms received by the 10th of the month will be effective for that month/pay period • Forms received after the 10th of the month will be effective on the next month/pay period |
Waived |