Timeline for Health and Welfare Benefit Enrollment
The following chart lists the time frames within which you must enroll for various types of events, and the consequences of not meeting these time frames.
Type of Enrollment
Time Frame
Consequence of Not Meeting Time Frame
First-Time Enrollment
Changes are effective the first day of the month following receipt of your elections, provided you complete an enrollment form within 31 days of your date of hire or transfer.
New Hire
You may enroll yourself and Eligible Dependents within 31 days of hire.
You will receive Default Coverage (see "Default Coverage" under "You Join PG&E").
Transfer from Management or Administrative & Technical position
You may enroll yourself and Eligible Dependents within 31 days of transfer.
You will receive limited coverage, as described under "You Transfer from a Management or Administrative & Technical Position."
Change-in-Status Events
Changes are effective the first day of the month following timely notification. (See "Change-in-Status Events" for additional information.)
NOTE: Changes in the status (other than termination) of a registered domestic partnership and changes concerning children of a registered domestic partnership do not qualify as a change-in-status event unless the affected individual is your tax dependent. See "Change-in-Status Events and Other Changes Involving a Registered Domestic Partnership" under "Change-in-Status Events."
Marriage or Establishment of a Registered Domestic Partnership
You may add yourself and/or Eligible Dependents within 31 days of marriage or establishment of a registered domestic partnership.
You will not be able to enroll in or add Eligible Dependents to the medical, dental, or vision plans until the next Open Enrollment period, unless you have another eligible change-in-status event or qualify for a HIPAA special enrollment period, and the change is consistent with the event.
Divorce or Legal Separation (must be final), Annulment or Termination of a Registered Domestic Partnership
You must drop your ex-spouse, registered domestic partner, step-children, and any other former dependents within 31 days of final decree or termination of a registered domestic partnership. You may also drop other dependents.
If you cover Ineligible Dependents, you will be required to pay the Company an amount equal to the cost of coverage for the period of time during which an Ineligible Dependent is enrolled, up to a maximum of two years of coverage costs.
Please note that knowingly covering an ineligible dependent is considered fraud, and can be grounds for termination of employment.
Birth or Adoption of Child
You may add yourself, your spouse, the newborn or adopted child, and other Eligible Dependents within 180 days of birth or adoption (assumption of physical custody or financial responsibility). You must notify the PG&E Benefits Service Center, not your medical plan, of any change-in-status events.
On the 180th day, if you do not enroll your newborn or newly-adopted child, the health coverage provided by the health plans will terminate retroactively to the date of the child's birth or adoption. No health expenses for the child will be covered by the Plan. You will not be able to enroll in or add Eligible Dependents to the medical, dental or vision plans until the next Open Enrollment period, unless you have another eligible change-in-status event or qualify for a HIPAA special enrollment period, and the change is consistent with the event. However, in some cases, a newborn/adopted child can be covered for a limited period of time, according to plan provisions.
No Medical Plan — You will not be able to enroll in or add Eligible Dependents to the medical, dental or vision plans until the next Open Enrollment period, unless you have another eligible change-in-status event or qualify for a HIPAA special enrollment period, and the change is consistent with the event.
Employee's Court Appointment of Legal Guardianship or Becoming a Foster Parent
You may add your legal ward or foster child within 31 days of appointment of legal guardianship or placement for foster care.
You will not be able to enroll Eligible Dependents in the medical, dental or vision plans until the next Open Enrollment period, unless you have a change-in-status event and the change is consistent with the event.
Dropping Enrollment Due to Death of Dependent
You must drop enrollment of your deceased dependent within 31 days of your dependent`s death.
If you cover Ineligible Dependents, you will be required to pay the Company an amount equal to the cost of coverage for the period of time during which the Ineligible Dependent is enrolled, up to a maximum of two years of coverage costs.
Dropping Enrollment Due to Dependent's Loss of Eligibility
You must drop enrollment of an Ineligible Dependent within 31 days of the dependent`s loss of eligibility.
If you cover Ineligible Dependents, you will be required to pay the Company an amount equal to the cost of coverage for the period of time during which the Ineligible Dependent is enrolled, up to a maximum of two years of coverage costs.
Dependent Regains Eligibility
You may add a dependent within 31 days of the date on which the dependent regains eligibility.
You will not be able to enroll in or add Eligible Dependents to the medical, dental or vision plans until the next Open Enrollment period, unless you have another eligible change-in-status event and the change is consistent with the event.
Start or End of Spouse's/Registered Domestic Partner's Employment
You may add or drop your spouse/registered domestic partner within 31 days of the start/end of spouse`s/registered domestic partner's employment.
You will not be able to add or drop your spouse/registered domestic partner until the next annual Open Enrollment period, unless you have another change-in-status event or qualify for a HIPAA special enrollment period and the change is consistent with the event.
You or Your Spouse/Registered Domestic Partner Changes from Full-Time to Part-Time Employment or Vice Versa
You may add or drop your spouse/registered domestic partner and other Eligible Dependents within 31 days of the change.
You will not be able to add or drop your spouse/registered domestic partner until the next annual Open Enrollment period, unless you have another change-in-status event or qualify for a HIPAA special enrollment period and the change is consistent with the event.
Spouse/Registered Domestic Partner Has Significant Change of Health Coverage at Place of Employment
You may add or drop yourself, your spouse/registered domestic partner, and other dependents as consistent with the change within 31 days of change.
You will not be able to add or drop yourself, your spouse/registered domestic partner, and/or other dependents until the next annual Open Enrollment period, unless you have another change-in-status event or qualify for a HIPAA special enrollment period and the change is consistent with the event.
Annual Open Enrollment
Annual Open Enrollment (for following calendar year)
You may add or drop yourself and Eligible Dependents within the designated Open Enrollment period.
Your current elections (if the plans are available) and dependent coverage will continue into the following year, with the exception of the Health Care Flexible Spending Account, and the Dependent Care Flexible Spending Account, if applicable. If you want to contribute to the Flexible Spending Accounts, you must actively enroll during Open Enrollment.
Retirement
Your Retirement
You may add yourself or your Eligible Dependents (if not currently enrolled) at the time of your retirement. You may also change medical plans.
You will not be able to enroll yourself or Eligible Dependents in a retiree medical plan until the next Open Enrollment period. If you decline medical coverage and want to subsequently enroll, you must notify the PG&E Benefits Service Center by September 1 of any year in order to receive an Open Enrollment package for the following plan year. As a retiree, you may only make changes on a mid-year basis if you are already enrolled in a medical plan and have a change-in-status event that allows for a change.