There is a 6-month waiting period for all eligible employees from the date of hire or from the date of an employment change to a position that meets eligibility requirements.
There is no waiting period for
If an employee has met his or her 6-month waiting period but delays enrollment, coverage becomes effective the date the "Research Foundation Insurance Enrollment Form" is received at the operating location office responsible for benefits administration, as long as the employee is actively working.
If there is a break-in-service of 28 days or more prior to meeting the waiting period, a new waiting period must be met.
An employee who becomes ineligible after qualifying for coverage who returns to eligible employment within one year will have coverage reinstated on the date the employee returns to eligible status.
An employee who becomes ineligible after qualifying for coverage who returns to eligible employment after one year must begin a new 6-month waiting period.
Eligible employees may continue vision care coverage under the Consolidated Omnibus Budget Reconciliation Act (COBRA), in conjunction with continuation of dental insurance.
Payment is waived for covered surviving dependents for six calendar months following an employee's death. If eligible, dependents can continue coverage after that time under the rules of the Consolidated Omnibus Budget Reconciliation Act (COBRA).
Refer to the Consolidated Omnibus Budget Reconciliation Act (COBRA) section of Benefits Administration > Benefits - Regular Employees > Benefits - Continuation of Coverage on the RF Web site for additional information.
Coverage terminates for an employee 28 days after the employee terminates from the Research Foundation payroll or changes to ineligible employment status. Coverage ceases for dependents when the employee's family coverage terminates or when the dependent is no longer eligible.
For more information on how to use the plan, refer to Vision Care Plan: Claims Process.
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