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

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
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.

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 can 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. 

Open Enrollment
Any employee who waived off the plan at initial enrollment may elect coverage on the anniversary date of the groups enrollment.
Any dependent who did not elect coverage when the plan was established may elect coverage on the anniversary date of the groups enrollment.
If the employee had coverage through their spouse, they may be added the first of the month after the loss of the other coverage.

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. 
     Groups that enroll from January 1st through June 1st renew on January 1st. 
     Groups that enroll from July 1st through December 1st renew on July 1st.

How to Enroll

1. Complete the Trust Group Enrollment Form, Application for Participation to the Small Business Benefit Plan Trust.
2. Complete the enrollment information for each eligible employee.  Submit a copy of the latest payroll report.  For groups under 5, also submit proof of group medical coverage. 
   To establish the relationship between others (owners or partners) not shown on the company payroll, please click here to download a form
3. Complete a check for the premium plus the applicable fees and send it to Wolfpack Insurance Services, Inc. PO Box 156, Belmont CA 94002.  Our street address is 425 Harbor Blvd, Suite 2C Belmont CA 94070.
   You may also send us the enrollment materials as an attachment to a secure email or Via Fax to 650-591-4022.  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, Wallet Cards and Certificates.

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 Delta Dental waiting period for Major Services and/or Orthodontia 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.

We are Wolfpack Insurance Services, Inc.  CA DOI License number 0814789, registered administrator.
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.