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How to enroll in or change GIC state employee benefits

Eligible state employees may enroll in GIC basic life, health, dental and vision, optional life, and FSA within 10 calendar days of hire and LTD within 31 calendar days of hire.
You can change your plan during Annual Enrollment or within 60 days of a qualifying status change.

Group Insurance Commission

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Fees for How to enroll in or change GIC state employee benefits

Name Fee Unit
Benefit Strategies Admin fee $2 per participant/month

How to enroll How to enroll in or change GIC state employee benefits

Use myGICLink to request your enrollment form(s).

Visit www.benstrat.com/gic-fsa to enroll in Flexible Spending Account benefits.

More info for How to enroll in or change GIC state employee benefits

Health and Basic Life:  To add a spouse or dependent to coverage, documentation (e.g., copy of marriage or birth certificate) is required to accompany the form unless you have already provided it to the GIC for health insurance coverage. If enrolling within 60 days of a qualifying event, you must attach proof of the qualifying event to your enrollment form. See your GIC Coordinator or call the GIC for a life insurance beneficiary form.

Dental and Vision:  The GIC Dental/Vision Plan is for State Employees who are not covered by collective bargaining or do not have another Dental and/or Vision Plan through the state. The plan primarily covers Managers, Legislators, Legislative staff, and certain Executive Office staff. Employees of Authorities, Municipalities, Higher Education, and the Judicial Trial Court system are not eligible for GIC Dental/Vision coverage.To add a spouse or dependent to coverage, documentation (e.g., copy of marriage or birth certificate) is required to accompany the form unless you have already provided it to the GIC for health insurance coverage. If enrolling within 60 days of a qualifying event, you must attach proof of the qualifying event to your enrollment form.

Keep in mind that once you choose a dental plan, you may not change plans until the next annual enrollment, even if your dentist leaves the plan during the year. If you withdraw from the plan or are terminated because of non-payment of premium, you will be unable to re-enroll in the plan until July 1 following 24 months from the date your coverage ended unless you have a documented loss of coverage elsewhere and apply within 60 days. If you were covered by a bargaining unit dental plan, you are subject to a waiting period when you become a manager and join the GIC dental/vision plan. If the GIC receives your completed Dental/Vision enrollment form within 60 days of the position change, the effective date will be the first day of the second month following the position change. If we do not receive the completed form within 60 days of the position change, you must wait until the GIC’s next Annual Enrollment period to enroll.

Optional Life:  If you did not enroll in Basic Life Insurance as a new hire, you can enroll during Annual Enrollment for coverage effective July 1. As a new state employee, you may enroll in Optional Life Insurance for a coverage amount of up to eight times your salary, without the need for any medical review. State employees actively at work may apply for the first time or apply to increase their coverage at any time during the year. After you apply, you will receive instructions for completing a personal health application for The Hartford’s review and approval. The GIC will determine the effective date if The Hartford approves the application. State employees actively at work who have a qualified family status change during the year may enroll in or increase their coverage without any medical review in an amount up to a coverage limit not to exceed four times their salary provided that the GIC receives proof, within 31 days, of the qualifying event. Forms received after 31 days will be denied.

Optional Life Insurance Non-Smoker Benefit:  At initial enrollment or during Annual Enrollment, if you have been tobacco-free (have not smoked cigarettes, cigars or a pipe nor used snuff, chewing tobacco or a nicotine delivery system) for at least the past 12 months, you are eligible for reduced non-smoker Optional Life Insurance rates. You will be required to periodically recertify your non-smoking status in order to qualify for the lower rates. Changes in smoking status made during Annual Enrollment will become effective July 1, 2018.

Life Insurance and Leaving State Service

  • Portability – Continue your basic and/or Optional Life Insurance at the group rate. Eligibility for portability ends at normal Social Security retirement age.
  • Conversion – Convert your life insurance coverage to a non-group policy

Long Term Disability:  As a new state employee within 31 days of hire, eligible employees may enroll in LTD without providing evidence of good health. All eligible employees can apply for LTD coverage during Annual Enrollment, or at any time during the year. You must provide proof of good health for Unum’s approval to enter the plan. LTD coverage can be canceled throughout the year. Enrollment and cancellation effective dates are determined by the GIC. If you are a state employee who has applied for LTD during the year, you must provide evidence of good health. Upon receipt of your completed form, the GIC will notify Unum of your application and Unum will send you a medical form to complete and return. If approved by Unum, the GIC will notify you of your effective date.

Flexible Spending Accounts:  Employees must work at least 18.75 hours in a 37.5 hour workweek or 20 hours per 40 hour workweek. To maintain eligibility for HCSA and DCAP, you must continually meet the hourly minimums. Active state employees who are GIC benefits eligible may participate in the HCSA program. Enrollment in one of the GIC’s benefit plans is not required. 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. You may claim health care expenses under the HCSA plan for you, your spouse, and/or your eligible tax dependents for claims incurred after your effective date. Active state employees who are GIC health care benefits eligible and have eligible dependent care expenses, for a dependent child under the age of 13 and/or a disabled adult dependent, that are necessary for the employee (and spouse, if married) to be able to work may enroll in the DCAP program. Employees hired during the Plan Year are eligible for DCAP on the first day of employment. You must re-enroll each year to continue benefits.

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Contact for How to enroll in or change GIC state employee benefits

Address
Street Address
19 Staniford St, Boston, MA 02114
Enrollment Form and Member Correspondence Mailing Address
PO Box 556, Randolph, MA 02368
Fax
Operations (617) 227-2681
Executive (617) 227-5181
Fiscal (617) 367-9874
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