Effective Date of Coverage

Employees are eligible to begin insurance coverage on the first day of the month following their date of hire and upon submission of the applicable enrollment forms and payroll deduction of premiums. Premiums are paid one month in advance, so payroll deductions must occur prior to the effective date of coverage. For example, premiums for March coverage are deducted from the February paycheck. Premiums are deducted from the first two pay checks received each month. If there is a third paycheck in a month, no benefit deductions are made.

Health and life insurance deductions may be “double deducted” to withdraw the full month’s premiums from the second paycheck in a month. Double deductions are not available for supplemental insurances (e.g. optional life insurance, dental, vision, disability, etc.) premiums. Enrollment forms for supplemental insurance must be received in time to enter payroll deduction for the first paycheck in the month prior to the desired effective date of coverage.