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> questions about insurance benefits
Questions About Insurance Benefits
Q. What group
insurance benefits do you offer?
TPI offers medical,
dental, prescription, basic life, and optional life insurance
through Blue Cross Blue Shield of Alabama. Click here to see a list
of the benefits offered.
Q. Who is eligible?
All regular full-time
employees who consistently work a minimum of 30 hours per week are
eligible to enroll in the insurance benefits.
Q. When is my
Insurance is effective
the 1st day of the month following your hire date (assuming
continuous active employment) (e.g. start date is 7/15, eligibility
date is 8/1). You have up to 30 days after your hire date to enroll
in the group health insurance.
Q. When must I turn in
my insurance enrollment form?
In order for your
benefits to start on time, you must submit your enrollment form
within 30 days of your hire date. The sooner you submit your
enrollment form, the sooner you'll have your insurance card.
Q. If I do not want to
elect insurance when I am first eligible, can I elect insurance at a
Because our group health
plan is part of a cafeteria plan, there are only two other occasions
when you can elect to participate in our group health plan:
Change in status
(marriage, divorce, birth, adoption, change in work status, spouse
loses coverage, etc.)
Open enrollment (held
throughout the month of July of each year for August 1 effective
If you experience a
change in status, you must notify the Benefits Department within 31
days of the event.
Q. What if I want to
make changes to my existing benefits?
The same applies as in
Q. When will my
insurance deductions begin?
Your insurance deductions
will begin the first paycheck after your insurance effective date.
Q. What is the group
health plan name and number?
The group plan name is
TPI, and the plan number is #04779.
Q. Do you offer
supplemental insurance benefits?
Supplemental benefits are
available through UNUM. They include short-term disability and
Q. How do I enroll in
the supplemental benefits?
To enroll in or receive
additional information on UNUMís long-term disability insurance,
please contact the Benefits Department at TPI.
Q. Do you have a
flexible medical spending account?
We do not offer a
flexible medical spending account at the present time.
Q. If my contract
employment ends, when will my insurance end?
Your insurance will end
the last day of the month in which your contract employment ends,
with the exception of your life insurance, which ends on your
Q. After my contract
employment ends, will I be able to continue my insurance coverage?
You can continue most
group insurance coverage by electing COBRA coverage.
Q. What benefits may
be continued under COBRA?
Medical, dental and
prescription insurance coverage may be continued under COBRA. Group
life and optional life cannot be continued under COBRA.
Q. When will I receive
COBRA information notifying me of my healthcare continuation rights?
You will receive COBRA
information via certified return-receipt no later than 30 days after
your insurance ends.
Q. What is the time
frame in which I have to elect COBRA?
You have up to 60 days
from the date you receive your COBRA election form, via certified
return-receipt, to complete the paperwork and return it to the COBRA
administrator. You then have up to 45 days from the date you sign
and return your election form to submit your first payment, which
will be applied retroactively to the date COBRA coverage began.
Q. When are COBRA
COBRA payments are due in
full the first of each month.
Q. What happens to my
benefits between contracts?
Your benefits will
continue until the last day of the month in which your contract
employment ends. If your contract is extended or if you start a new
contract in the same month in which your previous contract ended,
your insurance will continue uninterrupted. If you do not start a
new contract until after your insurance ends, you will be offered
COBRA coverage. As long as you return within 90 days after your
previous contract, your insurance coverage will be reinstated (with
the completion of a new enrollment form) the date of your new
contract and your COBRA coverage (if applicable) will cease.
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