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Eligibility

Eligibility

Who is eligible for coverage?

Employees

Full time employee working 30 hours or more per week are eligible for medical through Anthem BlueCross Blue Shield, Kaiser, or HMSA depending on your home address. Dental and vision are available through Anthem and voluntary benefits through Unum. Employees working less than 30 hours are not benefit eligible. All employees are eligible to participate in the CrossCountry Mortgage, 401(k) plan, in accordance to the Plan Document eligibility requirements. New hires are given 30 days from their date of hire to enroll in benefits. Effective date for new hire benefits is the 1st of the month following your date of hire. This will apply to medical, dental, vision, FSA, and HSA benefits.

Dependents

An eligible dependent may be:

  • Your legal spouse
  • Your domestic partner
  • Your dependent children under the age of 26
    • Includes biological children, step-children, legally adopted children, children of domestic partners, a child placed for adoption, or any child for whom you have been court appointed as legal guardian or legal custodian
  • Your dependent children 26 years or older who are incapable of self-sustaining employment by reason of mental illness or physical handicap

Making Enrollment Changes during the Year

Upon making benefit elections, they remain in effect until the next open enrollment period. The Annual Benefit plan year is January 1 through December 31.

IRS regulations allow changes to benefits outside of the open enrollment period in the event of a qualified life event. Qualified life events include:

  • Birth, Adoption
  • Marriage, Divorce
  • Death of spouse, domestic partner or other dependent
  • Spouse’s or domestic partner’s employment begins or ends
  • Dependent’s eligibility status changes due to age, student status, marital status or employment
  • Loss of other health coverage
  • Child Medical Support Orders

If you experience a qualified life event, you MUST notify Human Resources within 30 days of the event in order to make changes to your plan. Failure to make timely notice would require you to wait until the next open enrollment.