Eligibility Requirements

To be eligible for benefits at FRI you must:

  • Be a full-time employee; and
  • You have completed the 60-day waiting period
    • Once the waiting period has elapsed, benefits will begin following the 1st of the preceding calendar month

Eligible dependents can also be enrolled in the same plans chosen for oneself, provided proof of dependent status is provided and they meet the following criteria:

  • Your legal spouse or registered domestic partner
  • Your natural, adopted, stepchild, or child for whom you have legal guardianship, up to age 26.
  • Your disabled child over the age of 26 for whom you have legal guardianship.

Important to note, if a working spouse is eligible or enrolled in their own employer’s health plan, he or she will not be eligible for coverage in the Fort Recovery Industries, Inc. Health Benefit Plan.

Open Enrollment

Open enrollment is a specified period during which you can enroll or make changes to your health insurance coverage. It is an opportunity to select new plans, add or remove dependents, update your beneficiary information, and make changes to coverage options without needing a qualifying life event. This period is chosen by FRI, and all elections made during this period will take place January 1st of the following year. It is crucial for individuals to participate during this time to ensure adequate coverage for the upcoming year.

New Hires

For new hires, it is important to note that deadlines for enrolling or waiving coverage in benefit plans may vary depending on when eligibility is attained (1st of the month following your first 60 days). All benefit options and specific timing and deadlines related to enrollment or waiver decisions will be discussed during your orientation.

How to prepare

  • Consider your prior health care usage and select plans and options that fit your lifestyle and needs.
  • Review this benefits website to learn about your new and existing plan options.
  • Ask questions and get help if you need it!

It is important to remember that if you take no action to elect or waive coverage within your 60-day probationary period, you will not be able to make changes until the company’s open enrollment period. Meaning, you will not have coverage until the following year.

Qualifying Life Event

Certain life events provide you with a 31-day window to elect benefits or change your covered dependents.
If any of the following scenarios occur, you may be eligible to update your benefit elections mid-year:

  • Marriage, divorce, or legal separation
  • Birth or adoption of a child
  • Commencement or termination of adoption proceedings
  • Change in child’s dependent status
  • Death of a dependent
  • Loss or gain of other health coverage for you and/or dependents
  • Change in employment status
  • Change in residence due to an employment transfer for you or your spouse
  • Change in Medicaid/Medicare eligibility for you or a dependent
  • Receipt of a Qualified Medical Child Support Order

It is important to promptly inform Human Resources of any qualifying life events to ensure that you can make necessary updates to your benefit elections.