Termination of Benefits Coverage
If you and/or your eligible dependents have health insurance coverage with Dexian, coverage will run through the end of the month in which you terminate for medical, dental & vision benefits. If you have remaining paychecks payroll will continue taking deductions to cover your premiums for medical, dental and vision for that month only. Any additional group benefits are terminated on the day of termination. Please see the termination schedule of benefits. If you have any questions or unresolved issues, please contact the Dexian benefits center at (855) 645-2545.
Benefit Plan Terminations
What benefits end the last day of the month your employment terminates?
For example, if you are terminated on September 1 or 29, your benefits will end on September 30.
Medical
Dental
Vision
What terminates on your last day of employment?
Short-term Disability
Long-term Disability
Basic Life and AD&D
Voluntary Life and AD&D
Commuter Benefits (Transit & Parking)
FSA Dependent Care
Critical Illness
Group Accident
401(k) Retirement Savings Plan
You are the “owner” of all of your own 401(k) contributions, plus any share of company match contributions in which you are vested. Log into www.Principal.com to complete the online forms.
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Rollover or Cash out: You may move the vested balance of your 401(k) account to another qualified employer’s 401(k), an IRA, or you may take it as taxable income. Please wait to start this process until after you receive your last check, including commission payments.
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Vesting: Employer match contributions are fully vested after three years of service (YOS). YOS is defined as 1,000 hours or more worked in a calendar year.
If you do not rollover your 401(k) funds within a year of leaving Dexian:
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Account balances above $7,000 can stay in the Dexian 401(k) plan.
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Account balances under $1,000 will be cashed out and mailed directly to your address on file with Dexian.
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Account balances between $1,000-$7,000 will be rolled over to an IRA with Retirement
Health Saving Account (HSA)
If you have an active Health Savings Account, you will retain access to all funds in that account. There is no “use or lose” option on the account.
Note: If you make HSA contributions in the same year to multiple employers, you need to track your annual contribution amounts as employers only know what you have contributed with them. Refer to the IRS website for additional details on eligibility and/or contribution limits.
How to Elect COBRA Benefits
Dexian partners with Flores to administer COBRA Continuation.
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If you or your dependents are enrolled in a COBRA eligible plan (i.e. medical, dental or vision) you will be offered COBRA continuation rights.
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Each person covered by the benefit at the time of termination has individual rights to elect COBRA. You may elect to temporarily continue coverage under coverage. You can elect COBRA for none, some or all of those who were covered on the plan while covered as an active employee. If elected, benefits begin on the first day following the loss of coverage.
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It could take up to 44 days for you to receive your COBRA packet in the mail following your date of termination. Once your letter is sent you can contact Flores for log in information and elect coverage online.
Please keep in mind elections must be made within 60 days.
If you have any questions or would like to check the status of your COBRA continuation package, please contact our COBRA administrator Flores at 800-532-3327 or visit www.flores247.com.
Portability of Ancillary Benefits
Several of our ancillary benefit plans are portable following employment separation, please contact the Hartford for additional information on the portability of the below plans.
Hartford Contact Information
Group Number: 681539
Contact:
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Life/Disability: (800) 549-6514
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Accident/Illness/Hospital: (866) 547-4205
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Employee Assistance Program (EAP): (800)327-1850
What is portable and what is convertible?
Employee Life and AD&D
Portable
Spouse Life and AD&D
Portable
Child Life and AD&D
Portable
Hospital Indemnity
Portable
Critical Illness
Portable
Short-Term Disability
NOT Portable or Convertible
Long-Term Disability
Convertible
Proof of Credible Coverage
Following employment separation with Dexian, our carriers will generate a certificate of credible coverage showing that coverage has ended. This letter will be mailed to you.
If you have not received the certificate of credible coverage in the mail and/or need documentation sooner, please follow the below steps to obtain proof of coverage for medical, dental or vision:
- If you need proof of coverage for medical, please visit the following link with United Health Care to request documentation: Proof of Coverage or Proof of Lost Coverage.
- If you need proof of coverage for dental, please contact Guardian Dental’s Customer Care by calling (800) 541-7846.
- If you need proof of coverage for vision, please contact VSP Vision Customer Service by calling (800) 877-7185.
Continuation of Group Plans
The Hartford Ability Assist® Counseling Services
The Hartford Ability Assist® is an employee assistance program offered by ComPsych®, is available to employees for 90 days following employment separation. This program is designed to provide assistance on everyday issues like job pressures, relationships and retirement planning to highly impactful issues like grief, loss, or a disability, Ability Assist is your resource for professional support.
More information on Ability Assist can be found here: Ability Assist – Employee Assistance Program
Nationwide Pet Insurance
To continue Nationwide pet insurance, you can continue policy payments by switching from payroll deduction to direct bill—and keep the peace of mind that comes with knowing your pet is always protected. You will receive documentation directly from Nationwide.
More information on Nationwide Pet Insurance can be found here: Nationwide Pet Insurance – Continuation of Coverage
Legal Shield
Legal Shield contacts any members following a change in employment status to provide an opportunity to continue coverage at the group rate. Legal Shield offers payment options best suited to an individual’s needs. You can also contact Legal shield at (800) 654-7757 or by emailing [email protected].
How to Contact our Carriers
Medical
Pharmacy Program
Group Number:
- RX GRP RX22GJ
- RX Bin 004336
- RX PCN ADV
Carrier/Company: CVS/Caremark
Contact: (866) 278-7187
Health Savings Account
Dental
Vision
Group Number: 30053323
Carrier/Company: Vision Service Plan (VSP)
Contact: (800) 877-7195
Dependent Care FSA
Transit and Parking Commuter Benefits
COBRA Administrator
Short or Long Term Disability or Term Life
Critical Illness, Accidental Injury, Hospital Indemnity
401(k) Retirement Savings
EAP Counseling Services
Group Number: 681539
Carrier/Company: The Hartford
Contact: (800) 327-1850
Legal
Identity Theft
Pet
Carrier/Company: Nationwide