CODAC 2025 Emplyee Benefits Guide

ELIGIBILITY AND COVERAGE All regular, full-time (working 30 hours or more) employees are eligible for benefits described in this benefit guide. You may elect medical, dental, vision, supplemental life, and various voluntary insurance options for yourself and eligible dependents. Eligible dependents include: Your dependent child(ren) or domestic partner’s child(ren) to age 26 (medical, vision, voluntary life, and AFLAC) NEW HIRE ENROLLMENT Benefit eligible employees (working full-time - 30 hours or more) are eligible for insurance benefits. Benefits are effective the 1st day of the month coincident with or following date of hire. • Your spouse or domestic partner • FAILURE to enroll online or submit ancillary documents will result in waiver of benefits. You will not be able to enroll until the next Annual Open Enrollment. Remember, your benefit elections will remain in place throughout the entire year unless you experience a Qualifying Event. All employees, regardless of number of hours worked, are eligible for enrollment in the retirement plan and pet insurance. OPEN/ANNUAL ENROLLMENT FOR BENEFIT ELIGIBLE EMPLOYEES During the Annual Enrollment period, you can enroll or make changes to medical insurance, dental insurance, vision insurance, voluntary life, short term disability (STD) insurance, and elect or re-elect your FSA (Health and/or Dependent Care), Health Savings Account (HSA) contributions for the coming year. Remember, your benefit elections will remain in place throughout the entire year unless you experience a Qualifying Event. All benefits-eligible employees must review their benefits online in the PayCom Self-Service Portal. Online review/enrollment must be completed and any necessary ancillary documents must be submitted to the Human Resources Department by 10/30/2024. Benefits Open Enrollment is PASSIVE, while enrolling in the Full Health Care or Dependent Care Flexible Spending Accounts (FSAs) is ACTIVE. This means you do not need to take action enrolling in Benefits, other than the Flexible Spending Accounts for 2025. This must be done no later than 10/30/2024. The Human Resources Department provides your benefit information during on-boarding. All benefits-eligible employees must make their benefits elections online within 31 days of hire.

DOMESTIC PARTNERS

You may enroll your domestic partner in your insurance benefits if you complete and sign a Domestic Partnership Affidavit.

You can obtain the Affidavit from the Human Resources Department or on the intranet.

The portion of premium payroll deducted for Domestic Partner coverage cannot be deducted pre-tax.

Domestic Partners are not eligible for continuation of coverage under COBRA.

QUALIFYING EVENTS Section 125 Pre-tax Program allows you to pay for benefits with pre-tax dollars. The IRS has certain rules about when you can make changes.

Not all Qualifying Events allow for changes for all benefits.

In most cases, you may only make benefit changes during Open Enrollment.

However, you may make changes during the year if you experience a Qualifying Event - an event that causes you or a covered dependent to gain or lose eligibility for coverage. For a complete list of Qualifying Events contact your Human Resources Department or visit the intranet. The following are some examples of Qualifying Events:

• Marriage

• You, your spouse, or a

dependent starts or ends employment that affects eligibility for benefits

• Legal separation

• Divorce

• Birth

• Death

• Adoption

YOU MUST NOTIFY THE HUMAN RESOURCES DEPARTMENT WITHIN 30 DAYS OF A QUALIFYING EVENT.

CODAC Health, Recovery & Wellness | 2025 Employee Benefits Guide 3