State Police Enlisted Unit Benefit Booklet

CANCELLATION OF COVERAGE

EMPLOYEES

You are eligible to enroll in the State Dental Plan on the first day of the bi-weekly payroll period following your completion of one full payroll period if you are:

• a Full-Time (FT) employee;
• a Part-Time (PT) or Job Sharing (JS) employee working 32 hours or more every bi-weekly pay period; or
• a Permanent Intermittent (PI) employee expected to work every bi-weekly pay period and at least 40% of full-time annually (a minimum of 832 hours).

A seasonal employee must have an appointment lasting eight months or more a year.

Certain unclassified state employees are also eligible to enroll.

Your coverage is effective on the first day of the first pay period after you enroll provided you are not both disabled and away from work on that day. If you are both disabled and away from work on the day your dental coverage would become effective, your coverage will then go into effect on the first day of the first pay period you return to work.

An eligible employee who is not enrolled but is covered by the enrollment of a spouse or parent may enroll before or within 31 days after termination of the spouse’s or parent’s coverage. The effective date of coverage is the first day of the pay period after the date of termination or after enrollment, whichever is later.

DEPENDENTS

You may enroll your legal spouse and any of your unmarried children up to the end of the pay period after their 19th birthday or up to age 25 if he or she is unmarried, regularly attending school and primarily dependent on you for support. These dependents can include:

• your children by birth, legal adoption, or legal guardianship while they are in your custody and dependent on you;
• any other unmarried child who lives with you in a parent-child relationship, is regularly attending school, and depends solely on you for support; or
• your children by birth or legal adoption who do not reside with you, but are your legal responsibility for the provision of medical care (e.g., children of divorced parents).

When properly enrolled, your dependent’s State Dental Plan coverage is effective the same day as yours.

 Dependents in the Armed Forces.

No person will be considered a dependent while in the armed forces of any country.

Dependents Between the Ages of 19 and 25 .

Dependents who meet the eligibility requirements listed below may continue to be covered under the State Dental Plan as a continuation member after they reach the age of 19. This dependent coverage may continue up to the age of 25, if they remain eligible. Coverage for these dependents will be exactly the same as yours.

To be eligible, these dependents must meet all the following requirements:

• be unmarried and between the ages of 19 and 25;
• be dependent on you for more than half of their support;
• be members of your household and related to you by blood, marriage, or legal adoption; or
• be students who attend school regularly.

Incapacitated Children

If your enrolled dependent is an incapacitated child, your coverage for this child will automatically continue at and beyond age 19 as long as he or she continues to be incapacitated and provided coverage does not terminate for any other reason. Your child will be considered incapacitated if he or she is unable to earn his or her own living because of a mental or physical impairment and he or she depends chiefly on you for support and maintenance. The disability must have started before the 19th birthday. Proof that your child is incapacitated must be submitted periodically.

Contact your personnel office for additional information.

DUAL ENROLLMENT

No person may be covered both as an ‘employee’ and ‘dependent’ nor as a dependent child of more than one employee. If you and your spouse are both employed by the State of Michigan, dental coverage may be carried separately or as one enrollment with dependent coverage. Your children may NOT be listed on both your and your spouse’s (or your and your ex-spouse’s) State Dental Plan if you maintain separate enrollments.

Should you or your spouse separate from State service, take a leave of absence, or become laid off, the departing employee may be enrolled as a dependent on the remaining employee’s State Dental Plan at any time, providing the remaining employee:

• continues to meet the eligibility requirements;
• was covered as a dependent of the departing employee or was enrolled separately as an employee; and
• notifies their personnel office of their intent to transfer enrollment prior to the departure of the spouse from State service.

Once you return to work, you must wait until the State’s next Open Enrollment period before you may transfer your coverage back into your own name.

APPLYING FOR COVERAGE

You may apply for dental care coverage when you meet State Dental Plan requirements for eligibility. Your employer will provide you with an application form and you may enroll yourself and your eligible dependents before or within 31 days after your eligibility date.

An eligible employee who is not enrolled but is covered by the enrollment of a spouse or parent may enroll before or within 31 days after termination of the spouse’s or parent’s coverage. The effective date of coverage is the first day of the payroll period after the date of termination or after enrollment, whichever is later.

When your dependents are properly enrolled at the time you enroll, their State Dental Plan coverage is also effective the same day as yours.

If you do not enroll when newly hired, or you do not enroll your eligible dependents at that time (or when newly acquired), you will be given other opportunities to enroll or add to your enrollment during Open Enrollment periods, or in the event of a ‘family status change’ (described below).

FAMILY STATUS CHANGE

Mid-year changes in your enrollment will be allowed during the benefit year based on what the Internal Revenue Service (IRS) calls a ‘family status change.’ These changes occur if you lose or need coverage because:

• you get married or divorced;
• child is born, adopted or moves into your home in a ‘parent-child’ relationship;
• your spouse begins or ends employment;
• your spouse changes from part-time to full-time (or vice versa) or takes an unpaid leave of absence resulting in a significant change in your coverage; or
• there is a significant change in your coverage (or your spouse’s coverage) through your spouse’s (non-State of Michigan) employer plan.

If you wish to enroll a newly acquired dependent after your coverage becomes effective, or if another family status change occurs, notify your personnel office in writing within 31 days. If you fail to enroll a newly acquired dependent within 31 days of acquiring that dependent, you will have an opportunity to add to your enrollment during the next Open Enrollment period.

The coverage effective date for a newly acquired dependent will be the date he or she is acquired (by birth, adoption, marriage, divorce, etc.). The effective date for any other family status change will be the first day of the payroll period following the family status change or after enrollment, whichever is later.

TRANSFER TO ANOTHER STATE AGENCY OR EMPLOYEE BARGAINING UNIT

If you transfer from one State agency to another, your existing enrollment will be transferred automatically to the new agency without interruption. If you transfer from one employee bargaining unit to another, your enrollment will be transferred automatically and will reflect changes in certain collectively-bargained benefits or premium contributions, if any.

OPEN ENROLLMENT PERIOD

If you are not already enrolled, you may register to enroll during an announced Open Enrollment period. If you are already enrolled, you may change your existing enrollment to include eligible dependents. However, in order to newly enroll yourself or an eligible dependent, you must be actively at work or receiving workers’ compensation benefits on the effective date of the enrollment or change. The effective date of your enrollment or change will be as prescribed in the Open Enrollment materials.