SmithRx is proud to offer you and your eligible family members a comprehensive benefits package.
Making well-informed decisions about your benefits is an important part of being a consumer within a challenging health care system. It’s also increasingly important to select the right benefits to meet your family’s needs and effectively manage health care services and costs.
Who Is Eligible For Benefits?
Regular, full-time U.S. employees working an average of 30 hours per week are eligible for benefits.
Employees are eligible for life and AD&D coverage + disability coverage on their date of hire.
Eligible Dependents include:
- Your legal spouse or domestic partner
- Children under the age of 26, regardless of student status, dependency, or marital status
- Children who are fully dependent on you for support due to a mental or physical disability and who are indicated as such on your federal tax return; coverage may continue past age 26
New Hires:
Your elected coverage (medical, dental and vision) is effective date of hire. All benefits eligible employees are automatically enrolled in basic life insurance, disability and AD&D coverage on their date of hire. Please refer to plan documents for all eligibility details.
Dependents:
The cost to you for dependent coverage will vary depending on the number of dependents you enroll in the plan and the particular plans you choose. When covering dependents, you must select the same plans for your dependents as you select for yourself.
*Proof of dependent eligibility is required during enrollment (e.g. birth certificate, marriage certificate, certified domestic partnership certificate, federal tax forms, etc.)
When Can I Make Changes?
Once you elect your benefit options, they will remain in effect for the entire plan year until the following Open Enrollment. You may only change coverage during the plan year if you have a Qualifying Life Event, and you must do so within 30 days of the event.
Qualifying Life Events include:
- Marriage, divorce, legal separation or annulment
- Birth, adoption or placement for adoption of an eligible child
- Death of a spouse or child
- Change in your spouse’s employment that affects benefits eligibility
- Change in your child’s eligibility for benefits (reaching the age limit)
- Change in residence that affects your eligibility for coverage
- Significant change in coverage or cost in your, your spouse’s or child’s benefit plans
- FMLA leave, COBRA event, Court Judgment, or Decree
- Becoming eligible for Medicare or Medicaid
- Receiving a Qualified Medical Child Support Order
If you have a Qualifying Life Event and want to request a mid-year change, you must notify Human Resources and complete your election changes within 30 days following the event. Please be prepared to provide documentation to support the Qualifying Life Event.
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Disclaimer
The information included in this benefit guide is for illustrative purposes only and is not considered a binding contract.