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Answers to your Benefit Questions - Health Care Benefits if Laid Off
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What happens to my Health Care benefits if I am on a permanent lay off (not to be confused with a scheduled lay off)?
Hospital, Surgical, Medical, Dental, Vision and Hearing (HSMDVH) coverage remains in effect until the end of the month following the month in which your layoff begins. HSMDVH coverage continues based on your years of seniority as of the date your layoff begins in accordance with the following table:
|
Years of Seniority on Date Layoff Begins |
Maximum Number of Months for Which Corporation Provided Coverage is Continued |
|
Less than 1 |
0 |
|
1 but less than 2 |
3 |
|
2 but less than 3 |
5 |
|
3 but less than 4 |
7 |
|
4 but less than 5 |
9 |
|
5 but less than 10 |
12 |
|
10 and over |
24 |
After the last month for which the company provides coverage, you may continue HealthCare HSMDVH coverage for a period of 12 additional months by paying the required monthly premium amount for such coverage.
Dental coverage remains in effect until the end of the calendar month following the month in which your layoff began. Thereafter, dental coverage will not be ineffect unless you elect COBRA. For example, if you are laid off in May 2019 your dental will end June 30, 2019.
Years of seniority on date layoff begins maximum number of months for which corporation provided coverage is continued. After the last month for which the company provides coverage, you may continue HSMDVH coverage for a period of 12 additional months by paying the required monthly premium amount for such coverage.
Cash-Pay Administrator
The cash-pay administrator is Benefit Connect regardless of the health care plan in which you are enrolled. You must contact Benefit Connect at 888-456-7800 within thirty (30) days prior to your coverage termination if you wish to continue coverage.
Dental Coverage
Dental coverage remains in effect until the end of the following the calendar month following the month in which your layoff begins. Thereafter, dental coverage will not be ineffect unless you elect COBRA.
Optional Dependant Group Life (OGL & DGL) Insurance
If you are laid off, your insurance coverage will continue through the end of the month covered by your payroll deduction. Thereafter, you may continue your optional group life insurance by paying the required premiums to Benefit Connect.
The insurance may be continued for a period (not to exceed 24 months) equal to that for which you may be covered for company-provided coverage under the Life and Disability Program, and thereafter for an additional 12 months.
Continuation of Coverage
You will receive notification from Benefit Connect instructing you to contact them if you wish to continue coverage through monthly direct billing. Contact Benefit Connect at 1-888-456-7800 for additional information.
OGL/DGL Conversion to an Individual Policy
Within thirty-one (31) days after group coverage terminates, you may convert such coverage, without medical examination, to an individual policy by contacting MetLife at 1-888-892-5472.
**If you go out on a Leave of Absence (LOA) please contact the Benefits to confirm your benefits.
**If you receive a disciplinary code and are terminated, with a grievance filed, the medical coverage will be granted for an additional month terming at the end of the following month.
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