Eligibility

You are eligible for benefits if you work 30 or more hours per week. You may also enroll your eligible family members under certain plans you choose for yourself. Eligible family members include:

 Your legally married spouse

 Your children who are your

biological children, stepchildren, adopted children or children for whom you have legal custody (age restrictions may apply). Disabled children age 26 or older who meet certain criteria may continue on your health coverage.

 

You will need to provide documents proving the dependents enrolled under your plan(s) meet the definition of eligible dependents. Carrying coverage for an ineligible dependent(s) will result in immediate termination of benefits and require you to pay back premiums for the month(s) you had an ineligible dependent(s) covered.

 

 

When Coverage Begins

 

• New Hires: You must complete the

enrollment process within 31 days of your date of hire.

 

 

If you fail to enroll on time, you will

NOT have benefits (except for company-paid benefits).

 

Benefits elected are effective January 1 – December 31, 2025.

 

 

Choose Carefully!

Due to IRS regulations, you cannot change your elections until the next annual Open Enrollment period, unless you have a qualifying life event during the year. Following are examples of the most common qualifying life events:

 Marriage or divorce

 Birth or adoption of a child

 Child reaching the maximum age limit

 Death of a spouse or child

 You lose coverage under your spouse’s plan

 You gain access to state coverage under Medicaid or The Children’s Health Insurance Program (CHIP)

Making Changes

To change your benefit elections, you must initiate a life event within 31 days of the qualified life event

(including newborns). Be prepared to show documentation of the event such as a marriage license, birth certificate or a divorce decree. If changes are not submitted on time, you must wait until the next Open Enrollment period to make your election changes.

 

When Coverage Ends

If you terminate employment with Trinidad Benham your medical, dental, and vision coverage ends on the last day of the month in which your employment was terminated. All other benefits end on your last day of employment. Following your termination, you will be eligible to continue your medical, dental, vision and Flexible Spending Account (FSA) coverage under COBRA. Information will be sent to your home address shortly after your termination.

 

 

 

Required Information—You will be required to enter a Social Security number (SSN) for all covered dependents when you enroll. The Affordable Care Act (ACA) requires the company to report this information to the IRS each year to show that you and your dependents have coverage. This information will be securely submitted to the IRS and will remain confidential.