Benefit Reference Guide - The School District of Palm Beach County

Coverage Termination
In this section...
• How termination affects benefits
• Your responsibilities when terminated
Employee Coverage
During the plan year, except as otherwise provided by law and in
accordance with your employer’s plan(s), terminating employees are
covered as follows:
1. Through the last day of the month:
a. in which employment ends (all interim positions and 12-month
employees are in this category).
b. in which a leave of absence without pay begins (refer to page
24 under the Employee on Leave section for more details).
c. in which suspension without pay begins.
d. in which you cease being in a benefit eligible position.
e. for which required employee contributions are made.
f. in which you do not work the majority of your duty days.
g. in which your are in an unpaid status without an approved
leave.
2. Exceptions:
a. You qualify for the Family and Medical Leave Act (FMLA).
In that case, coverage will end the last day of the month
in which eligibility for FMLA ends, as long as required
employee contributions are made.
b. You are a regular, but less than a 12-month, employee and
you are in paid status through the last day of your contract
period. In this case, coverage ends the last day of July of
the same year as long as required employee contributions
are made (except for term life and/or income protection
coverage, which will end on June 30).
WITHIN 30 DAYS OF YOUR TERMINATION OF
EMPLOYMENT, CONTACT:
• the Risk & Benefits Management Department if you have not
received information regarding your COBRA options or Retiree
benefits or to apply for a conversion policy for optional term life.
• Trustmark directly for information regarding payment of
premiums if you had a Trustmark Universal Life, Cancer Protector
or Critical Illness policy.
• the FBMC Customer Care Department at 1-800-342-8017 to
apply for COBRA continuation, on an after-tax basis, of your
Health Care FSA.
• MetLife directly at 1-800-438-6388 for information regarding
premium payments for Long Term Care (LTC) coverage.
Termination or Change to Non-Benefited Position – If you
terminate employment or have a change in your employment status
that results in you becoming ineligible for benefits, your coverage
will remain in effect until the last day of that month in which the
termination or change in status occurred.
Termination Followed by Re-Hire Within 30 Days – If you
terminate employment and are re-hired thirty (30) days or less
after termination, benefits you had in place prior to termination
(including your Health Care FSA), unless otherwise provided by
law. You will have access to the Health Care FSA balance, up to the
full annual limit (reduced by prior reimbursement), for expenses
incurred after you return. You may experience a break in coverage
and will be subject to new waiting periods.
Termination Followed By Re-hire After 30 Days – If you
terminate and are re-hired 30 days or more after termination, you
may be permitted to make a new election or to elect reinstatement
into the benefit election(s) you had prior to termination except you
will be limited to the Low Option HMO medical plan. You will
experience a break in coverage and will be subject to new waiting
periods.
Dependent Coverage
Your dependent’s coverage will terminate on the earlier of
1) the last day of the month in which they meet the definition of
eligible dependent. Maximum age for dependent coverage is 25
years of age. Coverage terminates on the last day of the calendar
month.
2) the date you, the employee, lose coverage
3) the date they are enrolled in coverage as a District employee.
Exception: If your child is disabled and you have provided
documentation prior to termination of benefits or you have applied
for coverage under the Over Aged Adult Child provision; or COBRA
continuation is elected and premium payments are made.
Trustmark Cancer Protector and PremierSelect SM Critical Illness
will cease at the end of the calendar year in which they turn 19 (or
age 23) if a full-time student in an accredited school, college or
university, and provided they are unmarried and dependent on the
participant for support.
Did you read about...
• How termination will affect your
benefits?
• Your rights and responsibilities when
terminated?
www.myFBMC.com
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