When an employee begins working full time, an employer has 3 months to submit an employee application online through my-benefits, or to mail in the application. After this 3 month period, the employee is considered a late entrant.
For example, if an employee began working with your company on April 1st, we have until July 31 to get the new application into head office.
There are two penalties for late entrants:
- The employee and his/her family members are forced to complete a medical questionnaire and pre-existing health conditions might not be covered. If you enroll employees on time, a medical is never required.
- The employee and his/her family members would see their dental maximum lowered to $250 in their first 12 months of coverage.
Your employees still have to go on t he plan even if they have spousal coverage.
Even if your employee has coverage with another carrier, or through his/her spouse or common law spouse, he/she is not covered for:
- Accidental Death & Dismemberment
- Long Term Disability
- Short Term Disability
- Critical Illness
If an employee chooses to opt out of benefits, he/she needs to complete the Group Benefit Plan Waiver. This will protect your company in the event of an accident.
As the plan sponsor, it is the responsibility of the employer to ensure all eligible employees are enrolled in the plan. We suggest that new employees complete and submit enrollment applications when they are hired. The Chambers Plan will process the employee's coverage when his/her waiting period has expired.