53 FINANCIAL WELLNESS coverage with after-tax contributions, which is determined using your spouse or registered domestic partner’s age as of January 1, or his/her benefit eligibility date, whichever is later. Once your spouse or registered domestic partner is covered, any coverage increase requested above one level during Open Enrollment, will be capped at one level until evidence of insurability has been processed and coverage is approved. Important Notes to Remember • If you want to add a newly eligible spouse, you must do so within 31 days of the Qualifying Life Event. • Spouse life and AD&D insurance may be portable. If you leave Scripps, you may continue coverage by paying the premium directly to the insurance company. You must contact the insurance carrier within 31 days of termination. Rates may be different from spouse contributions under My Scripps Benefits. Spouse life and AD&D insurance will decrease to a 65 percent benefit at age 65. For Your Dependent Child(ren) You may also elect child life insurance for your dependent child(ren), which pays benefits to you in case of their death. You pay the full cost of coverage with after-tax contributions. The premium is the same regardless of the number of eligible children covered. You may choose $5,000 or $10,000 of coverage per child. If both parents are employed by Scripps, only one parent may cover the dependent child(ren). A child cannot be covered by both parents. How It Works If your child should suffer the loss of life, you would receive the benefit payment in a lump sum. You are automatically considered the beneficiary for child life insurance. Important Notes to Remember • Only your dependent children under age 26 may be covered under the plan. Once your enrolled child is no longer eligible, you must call 858-678-MyHR (6947) within 31 days of the Qualifying Life Event. • Evidence of Insurability (EOI) is not required for children's coverage, including if you buy-up from $5,000 to $10,000. • If you want to add a newly eligible child (i.e., newborn), you must do so within 31 days of the Qualifying Life Event. • Child life insurance coverage may be portable. If you leave Scripps, you may continue coverage by paying the premium directly to the insurance company. You must contact the insurance carrier within 31 days of termination. Rates may be different from your group child contributions under My Scripps Benefits. Quick Facts ELIGIBILITY/ENROLLMENT • F ull-time and part-time benefit-eligible employees are eligible the first of the month following 60 days of employment; must enroll within 60 days of hire • D epartment Directors and above, Fellows and Residents are eligible the first day of employment; must enroll within 31 days of hire OPTIONS • $5,000 or $10,000 per child OPEN ENROLLMENT/MID-YEAR CHANGES • Current employees can make changes during the Open Enrollment period or within 31 days of a Qualifying Life Event • Enroll or make changes online using the benefits web enrollment system RESOURCES • ScrippsConnect.org: Life and AD&D Summary Plan Description • Scripps HR Service Center – 858-678-MyHR (6947): to report a Qualifying Life Event during the year, submit a claim, general questions
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