Employer groups must have two or more full-time
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
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.
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.
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
Eligible dependents include legal spouse
or domestic partner and children to age 26.
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.
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.
Any employee who waived off the plan at
initial enrollment may elect coverage on the anniversary date of the groups
enrollment. We can also set the Open Enrollment date to be the same as the
renewal date (see below) or the Open Enrollment date of the group health plan.
Please contact us if you wish to make this change.
Any dependent who did not elect coverage when the plan was established may elect
coverage on the Open Enrollment date.
If the employee had coverage through their spouse, they may be added the first
of the month after the loss of the other coverage.
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.
We have two renewal periods:
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.
A note about waiting periods for Dental Plans
For groups of
less than 10 enrolled members Delta Dental applies a 12 month
waiting period for Major Services. If your group has the optional
Orthodontic Benefit a 12 month waiting period also applies to the
We can waive these waiting periods with proof of continuous
prior group coverage for the past 12 months. For the Orthodontic
benefit waiting period to be waived the proof must also show that
Orthodontia was a covered benefit with the prior coverage. Mandated
pediatric coverage under the medical plan does not count towards
waiving the dental waiting periods.
can consist of a Creditable Coverage form from the prior carrier or an
internet screen print-out from the prior carrier showing the dates
of coverage and benefits.
must be submitted with the enrollment form and will not be accepted
at a later date.
|Wolfpack Insurance Services, Small Business
Benefit Plan Trust and
We are Wolfpack Insurance Services, Inc. Our web
site address is
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.