When does an employee become eligible under our group plan?

An employee will become eligible for your group plan upon completion of the waiting period.  This waiting period is a designated time that was indicated on your group application when your health insurance was set up..  For example, if your groups waiting period is 90 days and you have an employee commence employment on March 2nd, 90 days from the date of employment would be June 2nd.  Generally, the provision on your policy will state the effective date for the newly hired employee to be the “first of the month following the waiting period”.  This means that, in our example, the employee’s effective date would be July 1st.  Similarly, termination of an insured takes place at the end of the month.  If an employee ends employment on September 2nd, their termination on your plan will take place as of September 30th.  Please contact us for the specifics on your plan.

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