Annually you will be given an opportunity to review your coverage. There are also different times you may change coverage throughout the year: as a new hire, as a transferred employee, or if you experience a qualifying status change. Each period has different deadlines and rules. Please take time to review the type of enrolment period that most applies to you.
New Hire Enrolment
You have 60 days from your hire date to enrol in benefits. The elections you make as a new hire become effective on your hire date and remain in effect through the end of that year. They can't be changed unless you experience a qualifying status change during the year.
Transferring Employee Enrolment
You have 60 days from your transfer date (the date in which you change your home address) to enrol in benefits. A transfer is defined as a change that affects your employee status and/or causes you to lose coverage due to a move.
The elections you make at enrolment will be effective on your transfer date and remain in effect through the end of that year. They cannot be changed unless you experience a qualifying status change during the year.
If you don't enrol within 60 days:
- You will have Medical (Employee Only coverage), Dental (Employee Only coverage), Basic Life Insurance, Basic Accidental Death & Dismemberment (AD&D) Insurance, Short-Term Disability, and Long-Term Disability.
- Those transferring from Expat status, will be auto-enroled for Medical, Dental and Voluntary AD&D Insurance at the same coverage level in which you were previously enroled. The PPO Plan is the default Medical plan
- Those transferring from a local payroll (non-U.S. dollar) status, will default to waived coverage and you will not be enroled in benefits.
- You will not have any Voluntary Life Insurance or Voluntary AD&D Insurance.
- You will be enroled in the Worksave Retirement Plan at 2% Employee Contribution and the base Employer Contribution. You can change your election for this plan at any time.
Automatic enrolment only occurs if you transfer from Expat status. If you transfer from a local payroll (non-U.S. dollar) status and do not enrol, you will default to waived coverage and you will not be enroled in benefits.
Annual Enrolment
Around the 4th quarter of each year you will be given an opportunity to change your coverage, to be effective the first of the coming year. Coverage cannot be changed outside of this time period, unless you experience a qualifying status change during the year (e.g. marriage, divorce, birth or adoption of a child, change in spouse's eligibility for medical coverage, etc.) If you did not enrol, you will default into your most recently elected coverage.