Premiums Pre-Tax
vs. After-Tax

Automatic
Enrollment

Enrollment Required

Effective Date of Coverage
(If enrolled w/in 45 days of Date of Hire)

Health Care Insurances 

Employee Paid

Medical

Pre-Tax

X

1st or 16th of the month dependent on completion of enrollment

Dental

Pre-Tax

X

Vision

Pre-Tax

X

Health Savings Account (HSA)

Pre-Tax

X

X

Health Care Flexible Spending

Pre-Tax

X

Limited Purpose Health FSA

Pre-Tax

X

Dependent Care Flexible Spending

Life and Accident Insurance

Basic Employee Term Life and Accidential Death & Dismemberment (AD&D)

Employer Paid

X

Optional Basic Employee Term Life and AD&D

Employee Paid
Pre-Tax

X

1X guarantee issue when first eligible (late enrollment requires evidence of insurability)

Child(ren) Term Life

Employee Paid
After-Tax

X

Guarantee Issue

Voluntary AD&D:         Employee/Spouse/Children

Employee Paid
Pre-Tax

X

1st or 16th of the month dependent on completion of enrollment

Group Universal Life Insurance
    • Employee
    • Spouse
        -    Cash Accumulation Plan

Employee Paid
After-Tax

X

Guarantee issue, remainder requires evidence of insurability

Business Travel Accident

Employer Paid

X

1st or 16th of the month dependent on completion of enrollment

Long-Term Disability Insurance

Employer Paid Post-Tax

X

1st or 16th of the month dependent on completion of enrollment

AFLAC:Supplemental Cancer Policy

Employee Paid Pre-Tax

X

1st of month following approval

Employer Paid 

401(k) Employee contributions

Pre-Tax & After-Tax

X

45 days from date of hire 

401(k) Employer match

Employer Paid

X
(if employee contributes)

25% vested/year

Fixed Employer contributions

Employer Paid

X

25% vested/year