Eligibility
Eligible Employees
Regular full-time and part-time employees are eligible to participate in TQL’s healthcare plans.
Eligible Dependents
In general, eligible dependents include your spouse and children up to age 26. If your child is mentally or physically disabled, coverage may continue beyond age 26 once proof of the ongoing disability is provided. Spouses who are employed full-time and offered essential coverage through their employer are ineligible for our medical plan.
When Coverage Begins
The effective date for your benefits is January 1, 2025. New hire benefit elections will go into effect the first of the month following 30 days. All elections are in effect for the entire plan year and can only be changed during open enrollment, unless you experience a qualifying life event.
Tobacco Surcharge
Employees will answer a tobacco questionnaire while completing their online benefits enrollment form. If an employee answers yes to tobacco use and selects a TQL sponsored medical plan, they are subject to a surcharge of $50 per month, $25 per payroll deduction. The surcharge starts when their first medical payroll deduction starts and follows the same schedule as medical payroll deductions. New employees have 90 days from the date insurance becomes effective to complete the tobacco cessation program. After the annual Open Enrollment event, all employees have 90 days from January 1st, 2025 to complete the tobacco cessation program. If the program is completed within the 90-day timeframe, tobacco surcharges taken in the current plan year are refunded, and future deductions stop.
New Employees
New hires have 31 days from their start date to make their benefit elections. New hire benefit elections will go into effect the first of the month following 30 days.
Evaluate Your Needs. Consider your prior health care usage and select plans and options that fit your lifestyle and needs.
- Take regular prescription medications?
- Anticipating surgery or non-preventive dental care?
- Did you experience a qualifying life event this year?
- Review your current plans to ensure you have the coverage you need.
Review this benefits website to learn about your plan options.
A little bit of planning will help you select the best plans, coverage levels, and financial programs for your unique situation.
Qualifying Life Event
A qualifying life event is a change in your personal life that may impact your eligibility or dependent’s eligibility for benefits. Examples of qualifying life events include:
- Change in legal marital status (i.e. marriage, divorce, death of spouse, legal separation)
- Change in number of dependents (i.e. birth, adoption, death of dependent, ineligibility due to age)
- Change in employment or job status (spouse loses job, etc.)
If such a change occurs, you must make the changes to your benefits within 31 days of the event date. Documentation is required to verify your change of status. Failure to request a change of status within 31 days of the event may result in you having to wait until the next open enrollment period to make your change. Please log into Workday to make these changes.