Eligibility & Enrollment

Who’s eligible

You’re eligible for benefits if you’re a full-time or part-time regular employee working 30 hours or more per week.

Affordable Care Act (ACA)

If you worked a minimum number of hours in the prior year, you may also be eligible for Medical coverage under the ACA. You’ll be notified if this applies to you. You may also be ACA-eligible if you move from benefits-eligible to ineligible. If so, your current medical coverage and HSA contribution (if applicable) will continue automatically for the rest of the year. Call the LSC Benefits Center at 888-681-2241 within 14 days of your status change if you’d like to decline coverage.

Who are considered eligible dependents?

• Your legal spouse, common-law spouse*, or domestic partner
• Your child(ren) and stepchild(ren) up to age 26
• Unmarried disabled dependent child(ren) of any age**

* Common-law spouse in states that recognize common-law marriage.

** Disabled child(ren) of any age who are incapable of self-support due to a mental or physical disability and are fully dependent on you for support as indicated on your federal tax return or court-ordered guardianship — are approved by your LSC Medical Plan to continue coverage past age 26.

Benefits eligible to ineligible status

If you move from benefits-eligible to benefits-ineligible, click here to view an overview of what generally happens to your benefits because of an employment status change.

Dependent verification

If you enroll your dependent(s) in coverage, proof of dependent status is required. To ensure your dependents qualify as eligible, documentation must be submitted for all dependents within 30 days of submitting your benefits elections.

How to verify dependents online

1. Visit the LSC Benefits Center.
2. Log in and have your dependent’s full name, date of birth, Social Security number (SSN), and required verification documents ready.
   
   • You have 6 months after birth or adoption to provide an SSN, or their coverage will be dropped.
3. After enrolling your dependent, go to the Home page, find the Common Actions section, and select Upload Verification Documents.
4. Click View and Upload Documents next to the dependent you’re verifying.
   
   • You can also view previously uploaded files in Uploaded Documents.
5. Choose the Document Type, upload the file, add a title and document date, then click Save.

Benefits effective date

If eligible, your benefits coverage starts on:

• New hires* — The 1st of the month after you complete one full calendar month of employment
• Newly benefits eligible — Your eligibility status change date
• Rehired:
  
  • After 30+ days* — The 1st of the month after you complete one full calendar month of employment
  • Within 30 days — Your rehire date
• Making changes — The date of your qualifying life event
• Annual Enrollment — January 1 each year

* Example: If you’re a new hire and your start date is January 4, your coverage will begin March 1.

Key deadlines

• New hires — Enroll before your benefits coverage start date
• Newly benefits eligible — Enroll within 14 days of your status change date
• Rehired:
  
  • After 30+ days — You’re treated as a new hire and must enroll before your benefits coverage start date
  • Within 30 days — You do not need to re-enroll. Prior elections will restart on your rehire date
• Making changes — If you experience a qualifying life event during the year, you have 30 days from the event date to update your coverage
• Annual Enrollment — Look out for the Annual Enrollment window that generally occurs in October each year

How to enroll

• Visit the LSC Benefits Center, or
• Call 888-681-2241, Monday–Friday, 7:00 a.m.–7:00 p.m. CT