FAQ
- When is health insurance coverage effective?
- Are part-time employees eligible for health insurance coverage?
- What is the CEBT?
- Who is the Willis HRH?
- When can I make changes to my health insurance coverage?
- How can employees access information/claim forms regarding health, dental and life insurance?
- Is an annual election or waiver of participation required?
- Are there individuals who should not participate in the flexible spending account program?
General FSA questions/information:
American Fidelity 1-800-325-0654
www.afadvantage.com
(Allows employees to access forms, set-up their
information on-line to monitor accounts, check balances, receive email notices)
Q: When is health insurance coverage effective?
Health insurance coverage becomes effective on the first day of the month following 30 days of eligibility/employment; i.e., date of hire 8/20/10, insurance benefits are effective 10/1/10.
Q:Are part-time employees eligible for insurance coverage?
Employees working at least a 50% assignment and on at least a 45-day contract or notice of assignment are eligible for the district-paid life insurance coverage, long-term disability and health/dental coverage. Part-time employees pay a portion of the monthly premium for insurance coverage based on the number of hours worked.
The CEBT is a self-funded multiple employer trust that currently provides employee benefits for one hundred forty-five (145) school districts, BOCES, colleges and public entities, with over 18,000 employees covered in the State of Colorado. The CEBT plan offers health, dental, vision and life coverage to the participating groups.
Willis HRH is the broker/administrator for the CEBT. Willis HRH provides customer service for health insurance plan participants. To obtain answers on claims and benefits questions call 1-800-332-1168.
Q:When can I make changes to my health insurance coverage?
Employees can make changes to their insurance during the open enrollment period each spring (April / May). The changes become effective on July 1. The employee can add/discontinue dependent coverage outside of the open enrollment period If an employee has a qualifying event, such as marriage/divorce, birth or adoption of a child, or loss of coverage for employee/family member; however, open enrollment is the ONLY time employees can change insurance plans.
Q: How can employees access information/claim forms regarding health, dental and life insurance?
General coverage/enrollment questions:
www.cebt.org (forms, directories, order cards)
Insurance Benefits Specialist 613-5004
Specific billing/coverage questions:
Willis HRH (our plan administrator) 1-800-332-1168
Q:Is an annual election or waiver of participation required?
Yes, according to Internal Revenue Service regulations, eligible employees (all Thompson School District employees) must complete an election or waiver form annually.
Q: Are there individuals who should not participate in the flexible spending account program?
Yes, employees who wouldn't want to participate include those nearing retirement (3 to 5 years out), employees who don't have eligible expenses for these programs (no dependent day care, less than $300 in miscellaneous medical, dental and vision expenses, etc.) and those who, for a number of reasons, may want to report the highest gross salary possible (i.e., for loan purposes, disability issues, etc.).
