When am I eligible?
Following a 60 day waiting period, you are eligible for benefits as a full-time employee working at least 30 hours per week.
Are my dependents eligible?
Covering your family
You may also cover your eligible dependents when you elect coverage for yourself.
Your Spouse or Partner
You may cover your legal spouse or domestic partner.
Your children
Dependent children are eligible: Medical, dental, and vision: until age 26, regardless of student or marital status. Child life insurance: until age 21, or 26 if a full-time student.
Enrolling in coverage
Your benefit plans are in effect August 1 – July 31 each year. In general, there are three times you can make benefit selections:
When you’re first eligible
Your benefits begin on the first day of the month coinciding with or after 59 days of employment; this is your effective date. Be sure to submit your selections within your first 30 days of employment. Your benefit selections will be in effect through July 31.
At Open Enrollment
Open Enrollment is your one chance each year to review your coverage options and make changes to your benefits. Your choices are in effect from August – July of the following year unless you have a qualifying life event.
If you have a qualifying life event
Qualifying life events allow you to change your coverage during the year outside of Open Enrollment. These include: marriage or divorce, birth or adoption, death of a covered dependent, and a change in eligibility through Medicare, Medicaid, or a spouse’s or parent’s coverage.
QUESTIONS?
If you should have any questions or concerns please feel free to contact Your Benefit Guardian:
Mary Gannon
Keystoneguardian@ibpllc.com
Toll Free: 856-403-9680 ext. 320
Direct: 856-840-6039
Fax: 856-840-6039
If you have any questions for your HR team, please feel free to contact us at: Sara Lopez, slopez@keystone.us, 610-980-7000
Benefits & Resources
Life and AD&D Plan