2022 Ensign Benefits Guide

When Coverage Begins Coverage for most benefits begins as follows, provided you enroll by the deadline date described below.: • Department heads, nurses, licensed therapists, Service Center/Cornet employees: Your benefits are effective the first day of the month following your date of hire provided you complete enrollment within 30 days following your date of hire. For example, if your date of hire is April 5, your benefits will be effective May 1, provided you enroll by May 5. If you have a status change and become benefit eligible, your benefits are effective the first day of the month following your status change. • All others: Your benefits are effective the first day of the month following 60 days of employment provided you complete enrollment within 30 days following your date of hire. For example, if your date of hire is May 15, your benefits will be effective August 1 provided you enroll by June 14. If you have a status change and become benefit eligible, your benefits are effective the first day of the month following your status change. Making Changes to Your Benefit Elections During the Year You can change your benefit elections outside of Open Enrollment only if you have a Qualified Event or Family Status Change, which include: • Have a baby/adopt a child • Change in marital status • G ain/loss of other group coverage, including Medicare/Medicaid • O ne of your dependents gains/loses other group coverage, including Medicare/Medicaid • Employment change that affects your benefits • Death of a covered dependent If you have a Qualified Event or Family Status Change and want to make benefit changes during the year: • You must make any benefit changes within 30 days of the qualified event. • C hanges must be consistent with the Family Status Change. For example, if you have employee only medical coverage and get married, you may waive coverage or change your medical coverage category to employee + spouse. You may also add your spouse to other coverages. Coverage for a new spouse begins the first of the month following the marriage date. Coverage for a newborn begins on date of birth. • Y ou must provide necessary verification documentation for your dependents (proof of loss or gain of other coverage) within 30 days of the qualified event. You may fax the documentation to 949-328-2763 or email it to benefits@ensignservices.net. Be sure to include a cover sheet with the documentation that includes your name and employee ID number. Email is preferred over faxing. If you fax your documentation, make sure no pages stick together as you feed the pages into your fax machine to ensure all pages are successfully transmitted. Coverage changes go into effect the first of the month after the qualifying event. For example, if coverage ends on August 31, your coverage with Ensign begins on September 1. • I f you are adding new dependents to your coverage based on a qualifying life event, you must provide necessary documentation to confirm eligibility (such as a marriage or birth certificate) at the time of enrollment. Your elections will not be approved until the necessary documentation is received. You can submit your documentation on the last Workday enrollment screen by uploading them before you submit your enrollment elections in Workday. You can also email your documentation to benefits@ensignservices.net. Be sure to include your name and employee ID number with your submitted documentation. 6 When Coverage Ends Most benefits coverage will end on the last day of the month in which you terminate employment or you become ineligible for benefits. Flexible Spending Account participation as well as life insurance and disability coverage end on the last day of full-time employment.

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