Enrollment

Who’s eligible for benefits?

• All Alpha WoodmenLife Representatives

What dependents are eligible?

• Legally married spouse, according to federal law

• Married or unmarried child(ren) up to age 26 includingstepchild(ren), legally adopted grandchild(ren), and child(ren) under court-appointed guardianship

• Disabled child(ren)

• Dependent maternity is not covered under health insurance

Remember:

• There are no ID cards sent for vision (VSP) or dental (MetLife). If you are enrolled in these benefits and would like an ID card, please visit their websites, set up your account access (if you have not already); log in to print an ID card.

What happens if I have a life event?

Qualifying Event

Under Federal regulations, after a plan year (January–December) has started, you will not be able to change your benefit elections unless you have experienced a qualifying life event. These events result in changes in your family, including:

• Birth

• Marriage

• Adoption

• Divorce

• Death

• Spouse employment status change

Your election changes must be consistent with the status change brought about by the qualifying life event; please notify the Benefits Department within 31 days of the event to make any changes. Documentation may be required.

For more information on a qualifying event, please reach out to the Benefits Department.

What happens if I miss benefit premiums?

Missed Benefit Premiums
All coverage for health, dental, vision, legal, disability, and group life will terminate on the last day of the month in which you have missed five premiums. The Benefits Department will notify you beginning with your third missed benefit premium. If you experience a loss of coverage, you have the right to continue your health, dental and/or vision coverage under COBRA for up to 18 months. You will receive information from PayFlex, WoodmenLife’s COBRA administrator, which contains time-sensitive enrollment materials.