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Group benefit plans can be either mandatory or non-mandatory. Plans can also have a combination of mandatory and non-mandatory benefits. You can find participation requirements for non-mandatory benefits in your group benefits contract.
For mandatory plans:
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All employees must enroll (100% participation).
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Employees and dependents must enroll within 12 months of their coverage eligibility date.
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Employees or dependents enrolled after 12 months are treated as Late Applicants.
For non-mandatory plans:
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Not all employees need to enroll (but usually need at least 75% participation).
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Employees have the option to opt out of the plan within 31 days of their coverage eligibility date.
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Employees or dependents who enroll after 31 days are treated as Late Applicants.