Employee/Retiree Responsibility

Employees/Retirees should note that they also have responsibilities to fulfill.

• You are responsible for ensuring that you have applied for the coverage you wish to have for yourself and your dependents within the appropriate time frames.
• You are responsible to change your coverage from single to family within the appropriate time frame. If the coverage is not changed within 31 days of acquiring your first eligible dependent a Statement of Health on Dependents is required for approval.
• You are responsible to add a spouse to this plan in the event that he or she loses coverage under another plan within a 31 day period following the loss of coverage to avoid having to provide medical evidence.
• You are responsible for examining payroll deductions for all group insurance benefits. This will ensure accuracy and allow for corrections on a timely basis.
• You are responsible for amending your coverage to delete any coverage you no longer require. Contributions which you have paid are not refundable if they were consistent with the application on file.
• You are responsible for effecting conversion of the coverage eligible to be converted upon the earlier of termination of employment or at age 65.
• You are responsible for completing the necessary forms required for continuing benefits while on maternity leave, sick leave, special leave without pay, retirement, etc. It is extremely important these arrangements be made prior to commencing eligible leave.
• You are responsible for providing appropriate claim information necessary to process LTD and/or Waiver of Premium claims as well as to ensure notice of claim/proof of claim where necessary and provided within appropriate time frames as required under the contract.
• You are responsible for completing appropriate forms necessary for such things as change of address, addition of new dependent etc
• You are responsible to register overage student dependents at age 21 and at the beginning of each school year