DentalandVisionIns.com
Plan Rules
Eligibility Benefit Selections Contribution/Participation Employees
Dependents Effective Date
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. For Example: Orthodontia benefits are available to all employees of the group and cannot be individually selected.
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 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 unmarried children to age 19 or 25 if enrolled in an accredited
school, college or university.
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.
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.
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.