Overview

  • Job Changes

    Some job changes or bargaining unit changes result in gain, loss or change in insurance benefits. See Qualifying Event section or contact the Risk & Employee Benefits Department for more information. Please check your employee payroll stub following a job change to ensure payroll deductions continue without interruption. Employee will be responsible for any missed deductions.

    Termination and Retiring Employee

    During the plan year, a terminating employee is covered until the last day of the month:

    • In which employment ends (interim employees are in this category).
    • In which suspension without pay
    • In which employee ceases being in a benefit-eligible position
    • In which employee retires.
    • Exceptions

    › If an employee qualifies for the Family Medical Leave Act (FMLA), coverage will end the last day of the month in which eligibility for FMLA ends, as long as required employee premiums are paid.

    › If employee is an instructional employee and the employee works through the last day of the contract period, coverage ends the last day of August of the same year, as long as required employee premiums are paid.

    › If employee is a non-instructional employee and eligible for multi-checks, coverage ends the last day of the month for which the employee has had benefit deductions taken, as long as required employee premiums are paid.

    Termination Followed by Re-Hire Within 30 calendar days:

    If you terminate employment and are rehired within 30 calendar days or less after termination, we will, by default re-enroll you into the benefit plans that were in place prior to the termination (including your Health Care FSA), unless otherwise provided by law. You will have access to the Health Care FSA balance up to the full annual limit for expenses incurred after you return (reduced by prior reimbursement).

    Terminations Followed by Re-Hire After 30 calendar Days:

    If employee terminates employment and is re-hired after 30 calendar days or more:

    •         Employee will be subject to the MCSD waiting period.
    •         Employee must make new benefit elections, see page 3 in the benefit highlight booklet.

    Please contact the Risk & Employee Benefits Department if further clarification is required. 

    COBRA

    Termination

    If an employee separates employment from MCSD, insurance will continue through the end of month in which separation occurred. COBRA continuation of coverage may be available as applicable by law.

When Do My Benefits End?

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