Wacker 2018 Benefits Guide_Non-Union_FINAL

Spousal Surcharge Program
If your spouse works for a company other than Wacker Neuson Corporation, including self-employment, and has medical
coverage available through his/her employer, your spouse must enroll in his/her employer’s medical plan.
You may cover your spouse through the Wacker Neuson plan with secondary coverage. However, you will be subject to paying
an additional $125/month payroll deduction.
For information on spouse eligibility, refer to page 3 of the 2018 Benefits Guide.
Spousal Surcharge FAQs
Can I apply for a Waiver?
Yes, if you qualify. First, fill out the Spousal Surcharge questionnaire when applying for medical coverage online. Next, download
and complete the Waiver form from the enrollment system’s Forms Library. Waivers need to be completed annually.
When does the additional cost (i.e. surcharge) apply to my
payroll deductions?
The additional cost applies when your spouse is enrolled in his/
her company’s medical plan for less than 50% of the cost of single
coverage. If you cover your spouse under the medical plan and
you do not provide an approved 2018 Spousal Surcharge Waiver
form, you will automatically be charged the spousal surcharge.
Does the surcharge apply to the dental plan?
No. The surcharge only applies to Wacker Neuson’s Medical plan
as a means to level the playing field in which each employer pays
its fair share for health benefits.
What happens if my spouse loses his/her job, decides to not
work or moves to part-time employment and is no longer
eligible for coverage with his/her employer?
A change in your spouse’s employment status (termination,
change in hours or beginning new employment) qualifies as a
change in life status. This allows you to change your benefit
elections during the plan year to avoid a gap in coverage.
HOW IT WORKS
You do not have to pay the surcharge if your
spouse:
1. Does not work
2. Is working, but his/her employer does not
provide medical coverage for its employees
3. Is working, but is not eligible to enroll in his/
her company’s medical plan
4. Is working, is eligible for his/her employersponsored
medical plan, but would have to
contribute 50% or more to the cost of single
coverage
5. Is self-employed and not offered group
medical coverage
Documentation is required.
What do I need to do if one of the above events happens?
You must log onto https://usa.wackerneuson.workterra.net and complete the life event “Spouse – Loss of Other Coverage” and
add your spouse to your benefits within 30 days of the status change.
What do I need to do if my spouse gains employment and benefits?
You must log onto https://usa.wackerneuson.workterra.net and complete the life event “Spouse – Gain of Other Coverage” and
remove your spouse from the medical plan within 30 days of the status change or opt to pay the surcharge.
What happens when my spouse goes to a medical facility?
If your spouse has his/her own coverage through his/her employer, his/her coverage will be primary, which means his/her
medical plan will determine if it will make any payment first. If you carry your spouse on a Wacker Neuson Plan as secondary,
UHC would determine if the charges are eligible under the Wacker Neuson Plan and if the plan will make any payment under the
Wacker Neuson benefit payment provisions after applying any payments by the primary plan.
How does prescription coverage work if I have my spouse covered secondary on the medical plan?
Your spouse must purchase his/her medication from his/her medical plan. If the co-pays are more than Wacker Neuson’s medical
plan, then you can submit those charges to UHC for reimbursement consideration.
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