You are eligible for most benefits if you are budgeted to work 40 hours or more per pay period. You are eligible for full-time employee rates for all benefits if you are budgeted to work 72 hours or more per pay period. However, to comply with the Affordable Care Act, employees budgeted 60+ hours per pay period are eligible to elect medical insurance at full-time employee rates.
Eligibility For Your Dependents
Dependents who are eligible for benefits coverage include your:
- Legal spouse or common-law spouse (with completed affidavit) as recognized by South Carolina.
- Child up to age 26, regardless of marital, student, or tax-dependent status.
- Physically or mentally dependent child who is unable to care for themselves, or an unmarried, disabled child of any age who resides with you and who was medically certified as disabled prior to their 26th birthday and who is primarily dependent upon you for support (with appropriate legal documentation).
Verifying Eligible Dependents
McLeod Health partners with Businessolver to gather dependent verification documents, a process that ensures that only eligible dependents are covered on our insurance plans. If you are adding a dependent to your medical plan and they were not previously covered on your benefits, you will receive further instructions from Businessolver about acceptable documents and how to submit them.
The most common acceptable types of documents include:
- Marriage Certificate and
- Page 1 of your most recent state or federal tax return listing both you and your spouse or
- Proof of joint ownership within last 6 months, including mortgage statements, bank statements, rental lease agreement or property tax statements with both names as co-owners.
Dependent Child(ren) Documentation
- Long Form Birth Certificate
- Adoption papers
- Legal Guardianship Document
Documentation must be submitted to Businessolver within 31 days from the date of request in order to prevent a loss of coverage from the enrollment date for your unverified dependents.
The Dependent Verification Process is under the same strict privacy and protection requirements as HIPAA. Your information, and that of your family, will be kept in the strictest of confidence. Once your dependent information has been verified, it will be destroyed. The Dependent Verification Center has implemented technology, security features, and strict policy guidelines to safeguard the privacy of your individually identifiable information from unauthorized access or improper use.