Eligibility

Employer groups must have two or more full-time, unrelated employees (Husband and wife employees count as one). Proof of a group medical plan is required for groups of less than 5 employees

Benefits are selected by the group and not the employee. Groups of less than 10 enrolling may have a dual choice where two dental plans and/or two vision plans are offered to their membership. Groups of 10 or more may offer more than two plans. Orthodontia, if selected, must be offered on all dental plans.

Contribution/Participation

The Employer must contribute a minimum of 50% of the employee premium. 75% of the eligible employees must participate, 100% must participate if the employer contribution is 100% of the employee premium. Employees covered by a spouse's group plan do not have to participate.

We also have voluntary Vision Service Plans available. Please see the VSP Voluntary presentation for more information. Voluntary VSP plan groups must enroll and keep at least 2 unrelated employees enrolled in the plan.

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 can also be added for a later effective date if they are newly eligible or as part of an open enrollment process.
Eligible dependents include legal spouse or domestic partner and children to age 26 (eff 04-01-2010).
The employer is responsible to report any changes to a dependents eligibility to Wolfpack Insurance Services, Inc.

Newborn children do not need to enroll until just before the first appointment, usually before age 4.

Domestic partners are defined as same-sex and opposite-sex couples registered with any government agency authorizing such registrations. Your domestic partner is subject to the same terms and conditions as any other Dependent enrolled in this plan.

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 EZ Enrollment Form, Application for Participation to the Small Business Benefit Plan Trust.
Complete the enrollment information for each eligible employee. Submit a copy of the Employer's State Wage and Earnings Report. For groups under 5, also submit proof of group medical coverage.
To establish the relationship between others not shown on the company DE-6, please click here to download a form
Complete a check for the premium plus the applicable fees and send it to Wolfpack Insurance Services, Inc. PO Box 156, Belmont CA 94002. You may also send us the enrollment materials as an attachment to a secure email. Please follow up with the mailing the originals.

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 Small Business Benefit Plan Trust or 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.

Wolfpack Insurance Services, Small Business Benefit Plan Trust and www.DentalandVisionIns.com.

We are Wolfpack Insurance Services, Inc.
Our web site address is www.DentalandVisionIns.com or www.DVIns.com.
We have established a small business group pool called the Small Business Benefit Plan Trust.
The Trust is fully insured as a group by Delta Dental and Vision Service Plan.

We have two renewal periods:
Groups that enroll from January first through June first renew in January.
Groups that enroll from July first through December first renew in July.