Eligibility
As an option on a
group Health Plan, eligible firms must have two or more full-time unrelated
employees. (Husband and wife employees count as one. Please provide proof
of any carriers group health coverage at enrollment.) This plan is offered
on a stand alone basis to groups of five or more unrelated employees.
Benefit Selections
Benefits are
selected by the group and not the employee. For Example: Orthodontia
benefits are available to all employees of the group and cannot be
individually selected.
Contribution/Participation
Minimum employer
contribution is 50% of the employee premium. Minimum participation is 75%
of the eligible employees, 100% if the employer contribution is 100% of the
employee premium.
Employees
All employees of
the employer who are performing active work on a full time basis (20 hours a
week or over) are eligible for benefits including corporate officers,
owners, or partners.
Dependents
All
eligible dependents must enroll on the original effective date.
Dependents will not be added for a later effective date unless newly
eligible. Eligible dependents include legal spouse or domestic partner and
unmarried children to age 19 or 25 if enrolled in an accredited school,
college or university. You are responsible to report any changes to a
dependents eligibility to Wolfpack Insurance Services, Inc.
Effective date
When a firm joins
the Plan, the coverage of its current employees will be effective on the
first day of the month following approval of the firms application to
participate. Additions to your plan will be effective the first of the
month after the elected probationary period from their date of hire. You
make the probationary period election on the EZ Enrollment form.
How to Enroll
To participate in
the plan;
-
Complete the
enrollment application request form.
Upon approval of
the application, the agent and client will each receive a letter confirming
coverage, giving the account identification and supplying the client with
forms for new additions. Shortly thereafter the following material will be
sent to the Agent for delivery to the Employer:
-
Wallet Card for
each individual
-
Certificate of
Coverage for each individual
Billings will be
sent directly to the employer. Each months remittance is due on the 25th
day of the prior month and will become delinquent if not received by the 1st
of the coverage month. Make checks payable to Wolfpack Insurance Services
Inc.
Can the waiting
period be waived?
All groups with 20
or more employees enrolling in any Wolfpack Insurance Services Delta Dental
plan will automatically have the waiting period for Major and Orthodontic
services waived.
For groups of 5
employees or more, the 12 month waiting period for Major Dental Services
will be waived on all employees who had continuous dental coverage during
the preceding 12 months. The 12 month Orthodontic waiting period will also
be waived if the group had continuous orthodontic coverage during the
preceding 12 months. |
