Working full-time (30 hours or more each week on a regular basis)
Legally married spouse (same or opposite sex);
State-registered same-sex domestic partner
You or your spouse’s/state registered domestic partner’s biological children, stepchildren, adopted child or foster child up to age 26 regardless of marital or student status.
Any children for whom you are required to provide coverage under a Qualified Medical Child Support Order.
Disabled Child: your unmarried children, step-children or children of your domestic partner of any age, if they are incapable of self-care due to a physical or mental disability.
At enrollment you will need to enter the Social Security Number for all covered dependent(s).
Health Care Reform requires Zovio to report this information to the IRS each year to show that you and your dependents have coverage and are not subject to a penalty.
Your personal information will be securely submitted to the IRS and will remain confidential.
You’re responsible for making sure your dependents are eligible for coverage and will be required to provide documentation verifying eligibility. If it is determined that you have an ineligible dependent enrolled in the plan, you will be responsible for any incurred claims and coverage will be terminated back to the date of initial coverage.
When to Enroll
Open enrollment happens once per year
You are eligible to enroll on the first of the month following your date of hire
You must enroll within 30 days of becoming eligible
Following a break in employment of 12 months or less, you are eligible for benefits on your rehire date
During open enrollment you can make changes to your benefits – like choosing a different medical plan or enrolling or re-enrolling in the Flexible Spending Account plans.
You can make changes during the plan year if something in your life changes (and is an event recognized by the IRS), such as:
Marriage or divorce
Birth or adoption of a child
Child reaching age 26
Death of a spouse or child
Change in child custody
Change in coverage election made by your spouse his/her employer’s Open Enrollment period
You lose coverage under your spouse’s plan
If you experience a qualifying life event, you’ll report this by recording your life event in the Benefits Portal within 30 days of the date of the event. The election change must be consistent with the event. Benefit election decisions will then remain in force for the remainder of the plan year. You are required to submit proper documentation to the Dependent Verification Center. If it is determined that you have an ineligible dependent enrolled in the plan, you’ll be responsible for any incurred claims and coverage will be terminated back to the original effective date.
When Benefits End
Coverage ends when you no longer meet plan eligibility requirements. If your employment with Zovio ends, your medical, dental and vision coverage end on the last day of that month. Your life and disability coverage, access to Flexible Spending Account funds and all other benefits end on the day your employment ends. In some cases, you may be eligible to continue your medical, dental, vision and health care Flexible Spending Account through COBRA by paying the full cost of coverage plus the administration fee.