Group Insurance Effective Dates of Coverage

First of the month following one (1) consecutive calendar month in paid status. (For example, if you begin work on June 15, you are covered on August 1.)

NOTE:

• If you go on leave without pay during your first 30 days of employment, you are covered on the first of the month following 1 calendar month in paid status after you return to work. (For example, if you start work on February 1, but take leave without pay and return to work March 15, coverage is effective May 1.) 
• If your first day of employment is the first working day of the month, coverage is effective the first of the following month. (For example, if you begin work on October 1, coverage is effective November 1.)
• If the first day of employment is delayed due to state-observed holiday, coverage is effective the first of the following month. (For example, because January 1 is a State-observed holiday and you start work on January 2, coverage is effective February 1.)

First of the calendar month the birth occurred. 

First of the calendar month following the marriage.

First of the calendar month following submitting a completed Affidavit of Domestic Partnership form to the employee’s HRA.

First of the calendar month following the divorce if employee was not previously enrolled in benefits or is adding eligible dependents who lost coverage through ex-spouse's insurance. 

Effective date determined from consultation with Legal Services regarding the grievance settlement. (Coverage must be the first day of a month.)

First of the calendar month following one consecutive calendar month in paid status of benefit eligible employment.

First of the month following status change. (Only if eligible to change because of a difference between bargaining status health and dental benefits offerings.)

First of the calendar month following recall.

First of the month following one consecutive calendar month in paid status of reemployment.

First of the month following the return to work.

Non-Central payrolls are DOT, CBC, Fair Board, OCR 

First of the month following the transfer. No lapse in coverage.

First of the month following the end of SLIP eligibility.

End of the month the termination of employment occurs.

End of the month the death occurred.

First of the calendar month following the marriage.

End of the month following submitting a completed Termination of Domestic Partnership form to the employee’s Human Resources Associate.

End of the month the layoff occurs.

End of the month prior to Medicare or Medicaid eligibility if opting to drop the State's insurance.

End of the month of active employment.

• Life insurance coverage always begins the first of the month.
• If you do not enroll for supplemental term life insurance when first eligible, you will not be able to enroll for supplemental coverage until the annual open enrollment period unless you have a qualified life event during the plan year. In either event, you will be required to provide Evidence of Insurability (EOI) to the life insurance carrier for their review and approval. Coverage will become effective the first of the month following DAS’ receipt of the insurance carrier’s approval, providing EOI is on file with the carrier within 60 days of the qualified life event or last day of open enrollment.
• If you have questions, contact your Human Resources Associate.

For Increases: Evidence of Insurability (EOI) required and must be on file with carrier within 60 days of the event. Coverage is effective the first of the calendar month following the carrier’s notification of approval to DAS.
 
For Decreases: First of the month following date of event. EOI is not required. 

For Increases: Evidence of Insurability (EOI) required and must be on file with carrier within 60 days of the event. Coverage is effective the first of the calendar month following the carrier’s notification of approval to DAS. 

For Decreases: First of the month following date of event. EOI is not required.

First of the calendar month following submitting a completed Affidavit of Common Law Marriage to the employee’s HRA.

For Increases: Evidence of Insurability (EOI) required and must be on file with carrier within 60 days of the event. Coverage is effective the first of the calendar month following the carrier’s notification of approval to DAS. 

For Decreases: First of the month following date of event. EOI is not required.
 

For Increases: Evidence of Insurability (EOI) required and must be on file with carrier within 60 days of the event. Coverage is effective the first of the calendar month following the carrier’s notification of approval to DAS. 

For Decreases: First of the month following date of event. EOI is not required.
 

For Increases: First of the month following status change. (Only if eligible to change because of a difference between bargaining unit life benefit offerings.) No Evidence of Insurability (EOI) is required if the increase is made within 30 days of the change. EOI is required if the election is made after 30 days of the event or if the election is in excess of $100,000.

For Decreases: First of the month following status change. (Only if eligible to change because of a difference between bargaining unit life benefit offerings.) EOI is not required.
 

First of the month following one consecutive calendar month in paid status of being rehired. 

First of the month following one consecutive calendar month in paid status since reinstatement.

Employee choice:

• First of the month he/she returns or 
• First of the month following return

Non-Central payrolls are DOT, CBC, Fair Board, OCR 

First of the month following the transfer. No lapse in coverage.

• Life insurance always ends the last day of the month.
  • In order for life insurance to continue through the end of the month, the employee must WORK at least one day into the month. 
  • In most situations, a State observed national holiday is a non-work day. 
• When your life insurance coverage terminates, you may be able to continue your life insurance coverage by either porting or converting your coverage. Your Human Resources Associate (HRA)  will provide you with the portability conversions guidelines document; you are responsible for contacting The Standard Life and submitting any required information and payment directly to them within the approved timeframe as indicated on the document.
• If you have questions, contact your HRA.

End of the month the employee is full-time.

End of the month the unpaid leave begins.

End of the month in which the last supplemental premium was paid. Supplemental coverage can be continued if premium payments are made.

End of the month of active employment.