All GIC premium deductions are taken one month in advance of coverage.
ENROLLMENT ELIGIBILITY AND EFFECTIVE DATES
Basic Life & Health, Optional Life, Long Term Disability (LTD), GIC Dental/Vision, and Pre-tax Flexible Spending Accounts (FSAs)
According to Massachusetts Law Chapter 32A, the following employees are eligible for GIC benefits:
- Permanent employees as outlined in CMR 1.02.
- Employees must work at least 18.75 hours in a 37.5 hour workweek or 20 hours in a 40-hour workweek; employees who do not work the required number of hours are not eligible for GIC benefits.
New employees eligible for GIC benefits and who work full-time or part-time hours of at least 18.75 hours per 37.5-hour workweek or 20 hours per 40-hour workweek and participating in a public retirement system can enroll. For employees electing the GIC Dental/Vision plan, please see the Dental/Vision pages in this section for eligibility rules.
New employee coverage (basic life and health, optional life, LTD, GIC Dental/Vision and the pre-tax Health Care Spending Account) begins on the first day of the month following 60 calendar days from the first date of employment, or two calendar months, whichever comes first. Pre-tax Dependent Care Assistance Program deductions and coverage begins immediately.
Date of employment is from Coverage begins on
Jan. 2- Feb. 1 April 1
Feb. 2 – March 2 May 1
March 3 – April 2 June 1
April 3 – May 2 July 1
May 3 – June 2 August 1
June 3 – July 3 September 1
July 4 – August 2 October 1
Aug. 3 – Sept. 2 November 1
Sept. 3 – Oct. 2 December 1
Oct. 3 – Nov. 2 January 1
Nov. 3 – Dec. 3 February 1
Dec. 4 – Jan. 1 March 1
Employees who do not enroll in Basic Life, Basic Life and Health, Optional Life, LTD and GIC Dental/Vision when first eligible (see NEW HIRE section) are subject to late enrollment and Annual Enrollment rules. See the corresponding LATE ENROLLMENT AND ANNUAL ENROLLMENT sections for details.
Employees and their families can choose from an array of health plans. Each employee’s needs are different. It is important that you, the GIC Coordinator, learn about the similarities and differences among the plans and where the plans are available. Recommend that the employee research his/her options and obtain the following information before making a selection.
Where you live determines which plan you
are eligible for. Benefit Decision Guide
Does the employee live in the service area?
Are the employee’s doctors and hospitals
in the plan? Call the plan or visit its website
What is the monthly premium cost? Benefit Decision Guide
OTHER GIC BENEFITS
In addition to health care benefits, the GIC offers the following benefit programs. You and the employee should familiarize yourselves with these programs. Details are in the Benefit Decision Guide and on our website:
- Long Term Disability
- Basic Life Insurance
- Optional Life Insurance
- Dependent Care Assistance Program (DCAP)
- Health Care Spending Account (HCSA)
- Dental/Vision Program (see Eligibility section)
This information provided by the Group Insurance Commission .