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Benefit Plan Eligibility

You are eligible to participate in the PCOC health and welfare employee benefit plans if you are classified as a full-time employee regularly scheduled to work 30 or more hours per week.

You are not eligible for the PCOC employee benefit plans if you are:

  • An employee who is NOT classified as a regular full-time employee of PCOC.
  • An individual who has signed an agreement, or has otherwise agreed, to provide services to the Company as an independent contractor, regardless of the tax or other legal consequences of such an arrangement.
  • A leased employee compensated through a leasing entity, whether or not you fall within the definition of leased employee as defined in Section 414(n) of the Internal Revenue Code (IRC).

Certain plans also permit you to cover your eligible dependents, which include your:

  • Legal spouse (unless legally separated) or domestic partner.
  • Your child, including:
    – Biological child.
    – Stepchild.
    – Legally adopted child.
    – A child who has been placed with you in anticipation of adoption.

Children listed above must be under 26 years of age, regardless of whether that child qualifies as your dependent for federal income tax purposes.

In addition, you can also cover the following dependents if they are claimed as your dependent for federal income tax purposes:

  • Your domestic partner’s child*.
  • A child for whom you are the legal guardian/legal custodian.

* Special guidelines apply when covering a domestic partner or the child of a domestic partner.

Your dependent children who are age 26 or over and physically or mentally incapable of self-support may continue coverage beyond age 26 if they remain totally incapacitated and dependent on you for support.

If your spouse/domestic partner works for PCOC, either you or your spouse/domestic partner can elect to cover your dependent children, but not both of you. Your dependent (spouse/domestic partner or child) is not eligible if they are covered as an employee, on active duty in the military service of any country or if you are not enrolled for coverage.

Initial Eligibility Period

You have a certain time frame to enroll yourself and your eligible dependents for coverage. This initial eligibility period begins on your date of hire and ends 30 days after that date. If your enrollment is not completed on or before the end of your initial eligibility period:

  • You will have to wait until the next annual open enrollment period to change your benefit elections (except as summarized in Making Changes During the Year).
  • You will be automatically enrolled in the core benefit plans that are paid in full by PCOC.

Special enrollment rules apply if you terminate employment and are then rehired. Contact the PCOC Benefits Service Center for additional information.

For example: If you are hired on March 3, 2024, your initial eligibility period begins on March 3, 2024 and ends on April 2, 2024. Your benefit plan elections made during this period will be generally effective May 1, 2024, subject to you providing proper documents (e.g., any required forms and dependent verification) as required under the plans.

Learn About Your Benefits

2024 Employee Beneifts Guide (PDF)

Questions or need help?
Contact the PCOC Benefits Service Center

(855) 726-2291