HEALTH INSURANCE

An employee must provide you with proof of involuntary loss of health coverage elsewhere to be eligible to enroll in GIC health coverage at any time during the year, other than during Annual Enrollment.  An employee may not apply for late enrollment during their new hire waiting period.  Examples of acceptable proof of loss of other coverage include:

  • Letter from health insurance carrier on company letterhead, or
  • Letter from other employer on company or organization letterhead.

To add GIC health coverage during the year, include a copy of the proof of involuntary loss of coverage with the forms sent to the GIC.

Health insurance late enrollment procedure:

  1. Employee must complete the following forms completely and legibly:
    • Municipal Insurance Enrollment and Change Form (Form-1MUN)
    • Insurance Data Form (IDF) for family coverage.  Must also provide:
        • For spousal coverage – copy of marriage certificate
        • For former spouse – provide following sections of the legal separation or divorce decree: page with absolute date, health insurance language, signature pages, and former spouse’s address
        • For dependent coverage under age 19 – copy of birth certificate(s) – The birth certificate must show the parent-child relationship to the insured or his/her spouse
        • For dependent coverage age 19 or over – Dependent Age 19 to 26 Enrollment form and a copy of birth certificate or, for handicapped dependent coverage – Handicapped Dependent Application and a copy of birth certificate.  Birth certificates must show parent-child relationship to the insured or his/her spouse.
  2. Verify that the forms are completed accurately and completely. Ensure that the employee has entered all information completely including the date of hire, and has signed and dated all forms.
  3. On the Municipal Insurance Enrollment and Change Form (Form-1MUN), indicate the agency/division number.
  4. Photocopy completed GIC forms and copy of proof of involuntary loss of coverage and file them in the employee’s personnel file.
  5. Send the original signed forms to the GIC along with the proof of involuntary loss of coverage.
  6. If approved by the GIC, update your payroll system with the new premium deduction.

Update your payroll system with the new premium deductions.

GIC RETIREE DENTAL

If your municipality offers the GIC Retiree Dental Plan, a retiree or survivor must apply for coverage within 30 days of the involuntary loss of other dental coverage and provide proof of the loss. Examples of acceptable proof of loss of other coverage include:

  • Letter from dental insurance carrier on company letterhead, or
  • Letter from former employers on company or organization letterhead.

Advise the retiree or survivor who is applying for late enrollment that once enrolled, if he/she drops coverage, he/she may never re-enroll in the plan.

Procedure:

  1. Retiree or survivor completes and sends you the GIC Retiree Dental Plan form.
  2. Sign the GIC Retiree Dental Plan form.
  3. Photocopy the GIC Retiree Dental Plan form and proof of involuntary loss of other dental coverage and file in the retired employee’s personnel file.
  4. Send the original GIC Retiree Dental Plan form and proof of involuntary loss of other dental coverage within 30 days of the loss of coverage to the GIC.
  5. Approval of the late enrollment and the effective date will be determined by the GIC.
  6. If approved, the GIC will notify you of the effective date to start the pension deduction.

 


This information provided by the Group Insurance Commission .