2025 - Open Enrollment Flyer - Medical - Vision

Important Points to Remember Open Enrollment Window Please complete your open enrollment as early as possible. Eligible Dependents for Healthcare

Your eligible dependents include your spouse, domestic partner, children, stepchildren and the children of your domestic partner up to age 26 . As defined by Section 152(a) of the Internal Revenue Code. Your eligible dependents do not include a parent, sibling or other relative unless you present a court order or IRS document that confirms that the person is your legal dependent. A signed Dependent Affidavit may be required upon periodic plan reviews. Definitions of a Dependent The definition of a dependent changes based on which benefit plan your child is enrolled in: Medical (including Dental and Vision), Flexible Spending Accounts (FSA) and Supplemental/Optional Life and Accidental & Disability (AD&D) Insurance Plans. HealthCare (Medical, Vision and Dental): Dependents are eligible up until they turn 26. When your dependent turns age 26 he/she is no longer an eligible dependent for the HealthCare Plans. A major change to eligibility is the Health Care Reform requirement to allow dependent children to be covered up to age 26 regardless of school attendance, marital status or financial dependence. A signed Dependent Affidavit may be required upon periodic plan reviews. Tax Implications The IRS has ruled that a domestic partner or same-sex spouse is not a legal spouse for tax purposes. Employers are obligated to report and withhold taxes on the fair market value of the domestic partner’s and the partner’s children’s coverage. Continuation of Health Coverage under COBRA If your or your dependents’ coverage under the group health benefit plan ends due to:  Termination of employment for any reason other than gross misconduct, or  Your lack of eligibility due to a reduction in work hours  Loss of eligibility of dependents: over-age, divorce, etc., You may continue coverage for yourself (or your dependents may elect to continue their own coverage) under COBRA. When you or your dependents elect to continue coverage in this manner, you are responsible for paying the full cost of the plan premium, plus a possible 2% administration fee. COBRA continuation rights apply to your medical, dental, vision and flexible spending account participation. Detailed information about your COBRA rights is provided in the plan summary. If you or your dependents become eligible for COBRA coverage, notification will be provided with the information you need to access these rights.