When you are eligible to join the plan, you will be automatically enrolled in the mandatory benefits, but you will need to make a few selections and decide if you want to enrol for any optional benefits.
| Automatically enrolled for: | Enrolment deadlines |
|
Automatically enrolled as of your eligibility date |
| Enrolment decisions to make: | |
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Within 31 days
(within 90 days for health and dental coverage)
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Important Enrolment Deadline
You must enrol within 31-days (90 days for health, dental and Basic Dependent Life coverage) of becoming eligible for benefits. Otherwise you will need to provide proof of good health to apply for some coverage and dental benefits will be limited. See the section What Happens if I Don't Enrol in Time? for more information.
How to Join the Plan
To join the plan follow these simple steps:
- Review the Enrolment Checklist for a summary of the steps to follow and choices you'll be asked to make during enrolment.
- Johnson Inc. will enrol you for mandatory coverage and provide you with an Enrolment form for optional benefits and a Beneficiary Designation form.
- Complete and sign the form.
- Gather any supporting documents that may be required.
- If you are required to provide proof of good health, download the medical questionnaire, or request a copy from Johnson Inc. Depending on your responses, you may be required to undergo a medical examination.
- Proof of good health is required:
Optional life insurance - For you and your spouse:
- For amounts over $30,000 if you enrol within 31 days after your eligibility date, and
- For all amounts if you enrol over 31 days after your eligibility date
Health - For you and your family:
- If you enrol over 90 days after your eligibility date, and
- If you enrol over 31 days after a life event.
- If your child is disabled, you must provide satisfactory proof that they are incapable of self-support because of the disability.
- If your child is an overage student, you must provide confirmation of your child’s continuing attendance at an accredited college or university for each year coverage is to be continued.
- Designate your beneficiaries on a Beneficiary Designation form
- Return the Enrolment form, Beneficiary Designation form and any supporting documents to Johnson Inc.
What Happens if I Don't Enrol in Time?
If you enrol after the 31-day deadline (90 days for health, dental and Basic Dependent Life coverage), two things will happen:
You will be required to submit proof of good health for all persons you wish to enrol, including yourself, for optional life and health coverage. This may not apply if you are adding a new dependent to your existing health, travel or dental coverage (e.g., you have a child or get married). Contact Johnson Inc. for details on adding dependents to your coverage.
When proof of good health is required, coverage will only begin on the date the insurer approves the proof of good health, provided you are actively at work on that day.
- Dental benefits will be limited to $100 during the first 12 months of coverage if you are a late applicant. After 12 months, the normal reimbursements applicable under the plan will apply. This provision does not apply if you damage your teeth in an accident.
What Happens if I Don’t Enrol?
If you don’t enrol, you will be covered for mandatory benefits only - basic life and AD&D insurance and long term disability (if applicable). You can later enrol for other benefits, but you will be considered a late applicant. See the section above What happens if I don’t enrol in time? for more information.