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 including persons employed by Employers, as outlined in CMR 1.02; officials elected to state office by popular vote during the term for which they are elected.
  • Employees must work at least 18.75 hours in a 37.5 hour workweek or 20 hours in a 40-hour workweek.

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.

Coverage Effective Date

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 sections for details.

If an employee loses health insurance elsewhere, he or she can enroll in GIC coverage at any time during the year with proof of loss of other coverage. See LATE ENROLLMENT section for details.

Employees of any authorities are not eligible for the GIC's Dental/Vision program. However, there are a small number of offline agencies that are eligible for this plan. Contact the GIC's Director of Operations for eligibility details.


This information provided by the Group Insurance Commission .