BHT Investment - 2022 Employee Benefit Guide

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BENEFITS OVERVIEW ELIGIBILITY Full-time employees working at least 30 hours per week are eligible for benefits on the first of the month following or coinciding with 60 days of employment. Many of the plans offer coverage for eligible dependents, including: • Your legal spouse • Your children to age 26, regardless of student, marital, or tax-dependent status (including stepchild, legally adopted child, a child placed with you for adoption, or a child for whom you are the legal guardian) • Your dependent children over age 26 who are physically or mentally unable to care for themselves CHANGING BENEFITS AFTER OPEN ENROLLMENT You may pay your portion of the medical, dental, and vision plan costs on a pre-tax basis. Thus, due to IRS regulations, once you have made your elections for the plan year, you cannot change your benefits until the next annual open enrollment period. The only exception is if you experience a qualifying event, and election changes must be consistent with your life event. To request a benefits change, notify Human Resources within 30 days of the qualifying life event. Change requests submitted after 30 days cannot be accepted. You may need to provide proof of the life event. Qualifying life events include, but are not limited to: • Marriage, divorce, or legal separation • Birth or adoption of an eligible child • Death of your spouse or covered child • Change in your spouse’s work status that affects his or her benefits • Change in your child’s eligibility for benefits • Qualified Medical Child Support Order 6
MEDICAL INSURANCE 7
Page 1: BHT Investment Co. 2022 BENEFITS EN
Page 4 and 5: BENEFITS OVERVIEW 4
Page 8 and 9: MEDICAL INSURANCE CARRIER: QualChoi
Page 10 and 11: DENTAL INSURANCE 10
Page 12 and 13: VISION INSURANCE 12
Page 14 and 15: GROUP LIFE & VOLUNTARY LIFE 14
Page 16 and 17: VOLUNTARY LIFE INSURANCE CARRIER: L
Page 18 and 19: DISABILITY INSURANCE CARRIER: Linco
Page 20 and 21: VOLUNTARY ACCIDENT INSURANCE CARRIE
Page 22 and 23: VOLUNTARY HOSPITAL INDEMNITY INSURA
Page 24 and 25: OPEN ENROLLMENT INSTRUCTIONS During
Page 26 and 27: GLOSSARY 26
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