All active employees working 20 hours or more per week are eligible for benefits on the first day of the month following or coinciding with date of hire. CHPW determines benefits eligibility based on the Look Back Measurement Method. Please see below for details.
Many of the benefits you elect are also offered to your dependents. Eligible dependents include:
The choices you make when you first become eligible are in effect until the end of the plan year (January 1 through December 31). Once you are enrolled, you must wait until the next open enrollment period to change your benefits or add/remove coverage for dependents, unless you have a qualified change in family status as defined by the IRS.
Examples of qualified changes include, but are not limited to, the following:
You have a maximum of 31 days from the date of the event to adjust your coverage. Please contact Human Resources as soon as possible to report a qualified change.
Should you need to update you or a family member’s contact information, please edit your contact information in UKG Pro. For more help, follow these instructions and follow the link to watch the “Add or Change Employee Contacts” or the “Navigation Overview and Personal Section Overview” videos.
You will always have access to your ID Cards by downloading the RGA mobile app. Instructions are available in the RGA Member Guide.
Physical copies will be mailed to you a few weeks after initial enrollment as new hire or for life event changes, or Open Enrollment. Please note, you will not be provided with a physical VSP vision ID card.
CHPW uses the Look-Back Measurement Method to determine whether an employee meets the eligibility threshold for medical benefits. This method references the ACA definition of a full-time employee—which is generally an employee who works on average 86.67 hours per month—to determine full-time status.
Note: ACA full-time status can affect or determine medical benefits eligibility but is not a guarantee of benefits eligibility.
If you are a new employee hired to work at least 20 hours a week, you will be offered medical benefits on the first of the month following or coinciding with your date of hire.
If—as of your date of hire—CHPW is unable to determine that you are a full-time employee, you will not be offered medical benefits immediately. Instead, you will be placed into an Initial Measurement Period; a 12-month period to determine whether you are a full-time employee and eligible for benefits. Employees hired with the following schedules will be placed into an Initial Measurement Period, including those hired into a:
Your 12-month Initial Measurement Period will begin on the first of the month following your date of hire and will last for 12 months. If, during your Initial Measurement Period, you average 86.67 or more hours a month over that 12-month period, you will become full-time and, if otherwise eligible for benefits, you will be offered coverage by the first of the second month after your Initial Measurement Period ends. Your full-time status will remain in effect during an associated stability period that will last 12 months. If your employment is terminated during that stability period, and you were enrolled in benefits, you will be offered coverage under COBRA.
An ongoing employee is an individual who has been employed for an entire Standard Measurement Period. A Standard Measurement Period is the 12-month period over which CHPW counts employee hours to determine which employees work full-time.
An employee is deemed full-time if they average 86.67 or more hours a month over the 12-month standard measurement period. Those employees who average 86.67 or more hours a month over the 12-month standard measurement period will be full-time and, if otherwise eligible for benefits, offered coverage as of the first day of the stability period associated with the standard measurement period, which is the same as our plan year.
Full-time status will be in effect for the 12-month stability period. If your employment is terminated during a stability period, and you were enrolled in benefits, you will be offered coverage under COBRA.
CHPW uses the Standard Measurement Period and associated Stability Period annual cycle outlined below.
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November 1 – October 31 |
Measurement Period The time span used to determine if you work 86.67+ hours per month on average to establish if you are “full-time” or “part-time” for medical eligibility |
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January 1 – December 31 |
Stability Period The time span during which you will be considered “full-time” or “part-time” for medical plan eligibility—based on hours worked during preceding Measurement Period |