When Coverage Ends
For You
Your coverage under the A&B FlexSolutions health care program for active employees (medical, dental and vision coverage) will end on the earliest of the...
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Last day of the month in which your active employment with A&B ends;
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Last day of the month in which you fail to make any required contribution;
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Last day of the month in which you no longer meet the eligibility requirements as defined under Who Is Eligible or
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Date the program (or a particular coverage within the program) is discontinued.
For the purposes of this provision, your active employment will be considered to have ended when you are no longer actively working, though the following exceptions to this provision will apply: If you are not at work due to...
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An illness or injury, your employment may be continued until stopped by the Company, based on the terms of A&B's Long-Term Disability (LTD) Plan;
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A leave of absence granted by the Company under the terms of the Federal Family and Medical Leave Act (FMLA), your employment may be continued under the terms of the Act; or
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A temporary layoff or leave of absence, your employment may continue until stopped by the Company, but not beyond the end of the calendar month after the calendar month in which the absence started. However, this limit may not apply to any coverage continued by the Company during an approved leave of absence to comply with state or federal law.
Other exceptions to these provisions are explained under COBRA Continuation Coverage and Conversion to Individual Coverage, respectively.
Note:
Information regarding when participation in the Health Care Reimbursement Account ends be found under When Your (Reimbursement Account) Participation Ends in Reimbursement Accounts.
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For Your Dependents
Your covered dependents' coverage under the A&B FlexSolutions health care program (medical, dental and vision coverage) will end on the earliest of the...
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Date your coverage ends,
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Last day of the month in which you fail to make any required contribution,
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Date your dependent becomes eligible through another employer,
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Last day of the month in which your dependent no longer meets the eligibility requirements as defined under Who Is Eligible or
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Date the program (or a particular coverage within the program) is discontinued.
However, if your dependent is a mentally or physically disabled child as defined by the applicable plan, his or her coverage will not end due to age, as long as the disability existed before the date his or her coverage would otherwise end. A disabled child's coverage will continue as long as the child remains...
To maintain your child's coverage, you may be required to periodically provide the Plan with proof of his or her continuing disability. (For this purpose, an exam will not be required more often than once each year after two years from the date your child reached the maximum age.)
Other exceptions to these provisions are explained under COBRA Continuation Coverage and Conversion to Individual Coverage, respectively.
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Notification Of Coverage
If you leave A&B and had been covered under a FlexSolutions medical plan, you and your covered dependents will receive a certificate of prior coverage indicating the period of coverage under the plan. Additionally, if a covered dependent loses coverage under FlexSolutions, he or she will receive a certificate of prior coverage.
You can present this certificate to your new employer to offset any pre-existing condition limitation that may apply under your new plan; you may also use this certificate when obtaining an individual health insurance policy to offset any similar limitations.
You may request a certificate of prior coverage at any time within 24 months of losing coverage under the plan.
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