Eligibility for Benefits

If you are an active, full-time, employee working at least 30 hours per week, you are eligible for coverage beginning on the first of the month following your hire date, or beginning on the first of the month if your hire date is the first of the month for Medical, Dental, Vision, FSA, and Supplemental Health coverages. For Life/AD&D, STD, LTD, and Voluntary Life/AD&D coverages, you are eligible for benefits on date of hire.

Your coverage will end on the last day of the month following your separation date. Your employer-paid benefits, such as basic life insurance and AD&D, and disability, will end on your separation date. You will be notified of your continuation rights under COBRA within 14 days following your separation date, if applicable.

If you have the opportunity to enroll in medical coverage elsewhere ( i.e. through your spouse/ domestic partner’s employer-sponsored plan, Medicare, TRICARE, etc.), consider whether it would be more practical for you to cover your dependents or yourself under that plan, based on your family’s health needs.
Please note, benefits payable under lnserso’s plans are coordinated with benefits payable under your spouse/domestic partner’s employer-sponsored plan, if applicable. Generally, the benefit, if any, of having dual coverage varies widely based on the plan designs available and should be carefully evaluated for exclusions or limitations prior to enrolling into one or more plans.

Do not assume lnserso benefit options are the same as prior years. Always review factors like copays, coinsurance, deductibles, etc. when selecting the plan that best addresses your current health and welfare needs:

  • During the annual Open Enrollment, consider how you have utilized your current plan during the previous year and what your expected medical needs are for the coming year.
  • Review all available options to you, including coverage for your spouse/domestic partner, children, etc.
  • All benefit plans are ‘a la carte.’ You may enroll or waive any of the benefits that fit your needs during the annual Open Enrollment and new hire benefits enrollment.

Changes to your health benefit elections are only permitted during the Open Enrollment period, unless you experience a Qualifying Life Event (QLE). You must notify HR within 30 days of a QLE if you wish to make a change in your elections. The following are examples of QLEs:

  • Loss of existing health coverage
  • Marriage or divorce
  • Birth, adoption, or legal guardianship of a child
  • Change in employment status or income
  • Death of a spouse/domestic partner or child
  • Child no longer eligible due to age limitation

The Patient Protection and Affordable Care Act (PPACA), often referred to as the Affordable Care Act (ACA), is healthcare legislation enacted in 2010. The law provides numerous rights and protections that make health coverage more fair and easy to understand, along with subsidies (through “premium tax credits” and “cost type and sharing reductions”) to make it more affordable. Some highlights include:

  • Preventative Services covered at 100%
  • Dependents are eligible for medical coverage up to age 26, regardless of dependency, marital, or student status
  • No preexisting medical conditions apply to any new or renewing plans on or after 01/01/2014

Benefits Plan Year:
September 01, 2024 – August, 31, 2025

Have a question?

Send your questions to HR@inserso.com and someone from our Human Resources team can help.
Email HR