REQUIREMENTS AND ELIGIBILITY

Your firm must be a member of the American Council of Engineering Companies of Oregon or Washington for 30 days in order to be eligible to participate in the Trust's benefit plans.  Medical and basic life/AD&D are required coverages for each firm and life/AD&D for each member.  Optional coverages include vision, dental, additional life, short-term disability and long-term disability, and employee assistance program.  If elected, the EAP is required for each eligible employee of your firm.

Trust


Providence

Providence requires that 75% of all eligible employees and 0% of dependents be covered under your firm’s plan(s). Firms may exclude those waiving coverage due to enrollment under another qualified plan.

Employer must pay 75% of the cost for the employee only coverage if your firm has under 50 employees and 50% of the cost for the employee only coverage if your firm has 50 or more employees.

Firms with 10 or more enrolled employees may offer dual choice plan options without underwriting approval. Special requirements regarding employer contributions will apply.

Firms with 50 or more enrolled employees may offer triple choice plan options with underwriting approval. Special requirements regarding employer contributions will apply.


Standard

Standard requires 100% employee participation for basic life/AD&D, short-term and long-term disability plans. Employers must pay 100% of the cost of these coverages. If employers choose to offer additional life, premiums are 100% paid by the employee.

Firms that did not elect to offer additional life during initial enrollment can elect to offer it in the future but will be required to submit evidence of insurability for each enrolling employee. Firms that offered additional life at initial enrollment and had employees decline coverage who wish to enroll in the future must also submit evidence of insurability for each late enrollee. New participating firms that enroll within 31 days of eligibility and attain 25% participation will have a $50,000 guarantee issue for the employee, $10,000 guarantee issue for the spouse and guarantee issue amounts for child(ren). However, if the 25% participation is not achieved, evidence of insurability will be required for all benefit amounts.

Dental - If employers choose to offer dental, Standard requires that 100% of all eligible employees participate and that the employer pays 100% of the cost for the employee only coverage. Dependent contributions may vary by firm. Firms, employees and dependents that did not initially elect dental coverage can elect to offer if there is a qualifying event or during our annual open enrollment period.