Welcome to MyDuraShilohBenefits.com!
Please take time to go through the materials this site.
Choose your benefits carefully. Once enrolled, you can change your benefits only if you have a qualified status change defined as the occurrence of one of the following events:
- Birth of your child
- Your legal adoption or placement in your home for adoption of a child
- Your marriage
- Loss of eligibility for any reason (including, without limitation, legal separation, divorce/death)
- Change in employment status of spouse
- Coverage under COBRA continuation has ended, or
- Your coverage under your spouse’s plan has changed resulting in a substantial loss of coverage or a substantial increase in the out-of-pocket cost of your spouse’s plan, including premium cost
If you have a qualified status change as defined above, you must report the change to Human Resources within 30 days to make changes to your coverage. If you fail to meet the 30-day notification requirement, you will not be allowed to make changes to your coverage until the next Open Enrollment period.
There are two ways you can contribute to the cost of your health plan:
- Your premium costs which are deducted from your paycheck.
- Your out-of-pocket costs associated with deductibles, coinsurance and copays at the time of your service.
When making your decisions, consider both sides of the equation. Review the level of coverage that is needed by you and your family along with where you spend your money on healthcare. Ask yourself the following questions:
- How often does my family see a doctor?
- What are the ongoing medical needs of my family?
- What prescription drugs do we take and what is the cost of those drugs? What pharmacy am I using?
- Do you consider yourself “healthy”?
- Am I paying for coverage that I don’t use?
Please refer to your plan description for full details regarding eligibility. Once eligible, you will have 30 days to make your selection.
Each year, we hold an annual Open Enrollment. This means that all eligible employees can either select benefits or elect changes to their current benefit selection.
Spouses are also your dependents when covered by our insurance plans. Your spouse must be your legally married spouse under the law.
Dependent child(ren) can be covered as follows:
- Dependent child(ren) as defined per the IRS regulations up to age 19.
- Child(ren) age 26 will be covered until the end of the month which they turn 26.
- Child(ren) of a covered dependent child who is not yet 18 years of age.
- Unmarried children who, because of a mental or physical handicap, depend solely on you for support may be covered regardless of age. Proof of your adult dependent’s disability is required to obtain coverage.
- Proof of dependent status in the form of a birth certificate, legal or adoption paperwork, etc. is required to add a dependent to your medical coverage.
We require working spouses of employees to take coverage through their own employer. Spouses with medical insurance available through their employer will not be allowed on our medical plan except for the following exceptions:
- Spouse is unemployed.
- Spouse is self-employed.
- Spouse is working but not offered health coverage.
- Spouse must pay more than 50% of the total cost of their medical plan.
A Spousal verification form will need to be completed and returned to HR for all spouses covered under our medical plan to verify the above exceptions. In addition, proof of legal marriage in the form of a marriage certificate is required to add your spouse to your medical coverage.