Basic Life & Health, Optional Life, Long Term Disability (LTD), GIC Dental/Vision and HCSA

According to Massachusetts Law Chapter 32 A, 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 can enroll. For employees electing the GIC Dental/Vision plan, please see the Dental/Vision pages in this section for eligibility rules.

Coverage Effective Dates
New employee coverage 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.


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 section for details.


This information provided by the Group Insurance Commission .

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