Coverage Rules

Eligibility - 25 hours per week

Waiting Period for Benefits - First of the month following one full month of employment

Plan Year – Calendar Year

Termination – Retirement or Cease employment

Survivor Benefit – Dependents covered for 24 months after date of death

Dependent Termination Age for Health & Dental Benefits - 22, or 26 if in school on a full-time basis

Employee Cost – $0, except where LTD current cost-sharing is applicable; and optional insurance

Lock-In Rules – Changes only at re-enrollment or with life event

Default – New hires: Medical Plan Level 3, Current employee: Current plan selection

Re-enrollment – Every two years (starting Jan. 1, 2026)