Eligibility
VyStar Credit Union benefits are available to any employee who is regularly scheduled 20+ hours per week.
Understanding the rules of benefits eligibility is important. Please read the information below carefully and ensure that you understand when you can enroll yourself and/or your eligible dependents for coverage.
Employee Eligibility:
Any employee regularly scheduled to work 20 or more hours per week is eligible to enroll in the benefits. No changes can be made to elected coverage during the year unless there is a qualifying event such as marriage, divorce, birth of a child, adoption of a child, or death. Open Enrollment is held once a year, at which time any changes can be made to benefits.
Note: Contingent workers, contractors and interns are ineligible for benefits.
When can I enroll and make changes?
| Benefit Event | Enrollment Window | Effective Date |
|---|---|---|
| New Hire | Within 30 days from date of hire | First of the month following 30 day of employment |
| Qualifying Event | Within 30 days from date of qualifying event | Effective first of the month following approved event with the exception of Birth/Adoption |
Covering your family members is important.
Who can I cover?
| Dependents Eligible for Coverage | |
|---|---|
| Spouse | Legally married spouse |
| Dependent Children | Dependent children (includes: step-children, adopted children, foster children) up to age 26 regardless of marital status or student status |
Documentation Requirements for Dependents
If you enroll your spouse and/or eligible dependent child(ren), when asked, you will need to provide documentation to confirm their eligibility for coverage. After you enroll, you will receive a letter from the Dependent Eligibility Verification vendor, Aptia, to help guide you through the process.
Acceptable forms of documentation include:
- Marriage license for spouse and document to show current relationship status
- Birth certificate for children
- Court-ordered guardianship papers, adoption papers or placement letter
- Divorce decree to show parent/child relationship when names don’t match
*VyStar Credit Union reserves the right to require documentation of dependent eligibility including but not limited to, birth and marriage certificates, adoption papers and guardianship documents. Employees will be required to reimburse the Plan for any benefits paid by the Plan for a dependent at a time when the dependent did not satisfy these conditions. It is the employee’s responsibility to notify VyStar Credit Union if a dependent no longer qualifies, so that appropriate COBRA notices may be sent.
