Eligibility & Enrollment

Who Is Eligible

Benefits are available to all full-time employees (minimum 30 hours per week) and their dependents. If you enroll during Open Enrollment, your benefits will become effective on January 1, 2027. If you are newly hired, your benefits will become effective on your first day of active employment.

When Coverage Begins

• Current Employee: Start of plan year January 1, 2027
• New Hire: Your first day of active employment
• Qualified Life Event: Date of life event

Eligible Dependents

• Your legal spouse
• Your children from birth to age 26 (Includes your natural, adopted and stepchildren. Coverage can continue past age 26 for a child who became disabled before 26, cannot hold a self-supporting job, and depends on you for support.)

Qualifying Life Events

If you have a qualifying event, you must notify your employer within 30 days of the event date to make changes to your coverage. Proof of the qualifying life event is required (marriage certificate, divorce decree, birth certificate, or loss of coverage letter). Note: Any change you make to your coverage must be consistent with the change in status.

• Birth, legal adoption, or placement for adoption.
• Marital status.
• Dependent child reaches age 26.
• Spouse gains or loses employment or eligibility with current employer.
• Death of a covered dependent.
• Spouse or dependent gains or loses Medicaid or CHIP eligibility (60 days to request a change).
• Change in residence that changes eligibility for coverage.
• Court-ordered change.

Enrollment

• New hires: Must enroll within 30 days of hire.
• You may enroll in employee-only, employee + spouse (husband/wife), employee + child(ren) or family medical, dental and vision coverage.
• Questions? Contact Human Resources at humanresources@moderawealth.com.