Eligibility

Who May Enroll

Full-time Team Members 

If you are a regular full-time team member working at least 30 hours per week, you and your eligible dependents may participate in all of the benefits provided in ARAG’s benefits program. Your eligible dependents include:

• Legally married spouse. 
• A natural child, step-child, adopted child, legal guardianship or qualified medical child support order of the employee or spouse up to age 26.
• A child over the age of 26 that has a severe physical or mental condition that makes them indefinitely dependent on you for primary support. You will have to provide documentation of tax records, birth certificate, or documentation of your child’s disability.

Part-time Team Members

• Part-time team members are eligible to participate in the 401(k) retirement plan.

Temporary Team Members

• Temporary team members are eligible to participate in the 401(k) retirement.

When You Can Enroll

As an eligible team member, you may enroll at the following times:

• As a new hire, you may participate in ARAG’s benefits program on the first day of the month following your full-time date of hire, rehire or status change.
• Each year during open enrollment.
• Within 30 days of a qualifying event as defined by the IRS (see Changes To Enrollment below).

Paying for Your Coverage

ARAG partners with our team members and shares the cost of the medical, dental and vision plans. Your medical, dental, vision and FSA contributions are deducted before taxes are withheld, which saves you tax dollars. Paying for benefits before-tax means that your share of the costs is deducted before taxes are determined, resulting in more take-home pay for you. As a result, the IRS requires your elections remain in effect for the entire year. You cannot drop or change coverage unless you experience a qualifying status change.  

Additionally, ARAG offers the following benefits to all eligible team members at no cost: basic life/AD&D, short-term disability, long-term disability and Employee Assistance Program, vision insurance, and the legal plan.  You pay the full cost of additional voluntary life/AD&D and any other voluntary insurance you elect.

Changes to Enrollment

Our benefit plans are effective January 1 through December 31 of each year. There is an annual open enrollment period each year, during which you can make new benefit elections for the following January 1 effective date. Once you make your benefit elections, you cannot change them during the year unless you experience a qualifying event as defined by the IRS. Examples include, but are not limited to the following:

• Marriage, divorce, legal separation or annulment
• Birth or adoption of a child
• A qualified medical child support order
• Death of a spouse or child
• A change in your dependent’s eligibility status

Coverage for a new dependent is not automatic. If you experience a qualifying event, you have 30 days to update your coverage. You may login into ADP Workforce Now to update your dependent information as needed. If you do not update your coverage within 30 days from the qualifying event, you must wait until the next annual open enrollment period to update your coverage.