Benefits

Q: When does coverage begin?

A: Your coverage is effective on the first day of the month after you enroll provided you are eligible. Employees become eligible when they have worked 6 consecutive weeks and averaged a minimum of 20 hours per week. You then have 30 days from the date you became eligible to enroll. If you do not enroll within 30 days, you are not able to enroll until the next annual open enrollment period.

Q: If I elect not to participate now and need to later, what are my enrollment rights?

A: You can enroll yourself and/or your eligible dependents any time you have experienced a qualifying life event (i.e.: marriage, divorce, adoption, birth of child).  Enrollments are effective the first of the month following receipt of your enrollment form.

Q: Who can I enroll?

A: You can enroll yourself and your eligible dependents in the medical, hospital indemnity, dental, vision care and term life plans. Your eligible dependents are your lawful spouse and your unmarried children (who depend on you for support) from birth through age 18, through age 24 if a full-time student, or through any age if handicapped and unable to earn a living.

Q: When does coverage end?

A: Coverage, for all of your benefits under the Plan, will end if: 1) the required premiums are not paid, 2) you are no longer an eligible employee, 3) the policy terminates, 4) you enter an Armed Service on full-time active duty, or 5) you become eligible for another employer-sponsored group medical plan. Dependent coverage ends when yours does or when the dependent is no longer eligible.

Q: What is a deductible?

A: A deductible is the amount of money you must pay for eligible expenses before the Plan begins to pay benefits. You will stop paying toward the deductible when you reach the specified dollar amount.

Q: What is a co-pay?

A co-pay is the amount you pay each time that you incur certain charges. You will continue to pay the co-pay even after you have reached your deductible.

Q: Does the medical plan cover maternity?

A: Yes. Maternity is a covered expense. See plan documents or call SRC for specific details of maternity coverage.

Q: Which doctors, dentists, and hospitals may I use?

A: You are free to use any licensed doctor or dentist, or any certified hospital. However, you can save money by using an in-network provider.

Q: What is a beneficiary?

A: Your beneficiary is the person you name to receive the benefits of any term life or accidental death coverage you may have in the event of your death.

Q: Who can I name to be my beneficiary?

A: Anyone you choose. If you choose someone who is younger than 18 you will have to name an adult to be the custodian of the benefits until the minor.

Q: When will I receive my Summary Plan Description (SPD)?

A: SRC is no longer required to send out an SPD. If you’d like to receive additional plan information you should contact SRC directly.

Q: Will I receive plastic insurance cards?

A: If you enroll in medical or dental insurance you will receive a plastic ID card in the mail after your enrollment has been processed.  A temporary card can be printed from Lakeshore’s website under the Benefit Forms section.

Have more questions?

Call the SRC Customer Service Center at 1-888-772-9682. English and Spanish speaking representatives are available, Monday through Friday, 8 a.m. to 8 p.m. Eastern Time.