Enrolling in Benefits
Benefits coverage for active, regular full-time employees scheduled to work 30 hours or more per week begins on the first of the month following 60 days of hire, and you have 30 days to elect your benefits or make changes after a Qualified Life Event.
Eligible Dependents
When you enroll yourself in medical, dental, and/or vision coverage, you may also cover your eligible dependents, including:
- Your legal spouse or qualified domestic partner
- Children under the age of 26, regardless of student, dependency or marital status
- Children who are past the age of 26 and 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.
Domestic Partner Coverage
Please note that unless your domestic partner is your tax dependent as defined by the IRS, contributions for domestic partner coverage must be made after-tax. Similarly, the company contribution toward coverage for your domestic partner and his/her dependents will be reported as taxable income on your W-2. Contact your tax advisor for more details on how this tax treatment applies to you. Notify LMI if your domestic partner is your tax dependent.
Making Changes After Open Enrollment
After Open Enrollment ends, you cannot change your benefits and will have to wait until the next Open Enrollment—unless you experience a Qualified Life Event (such as marriage, birth, or loss of coverage).
Common Qualified Life Events Include
- Marriage
- Welcoming a new child
- Loss of coverage
- Leave of absence
- Loss or change in employment
