Enrolling in Benefits

Benefits coverage for active, regular full-time employees scheduled to work 30 hours or more per week begins on the date of hire, and you have 31 days to elect your benefits or make changes after a Qualified Life Event.

Note: Employees with variable hours and seasonal schedules may be considered eligible if they work on average 30 hours a week or 130 hours a month over a 12-month measurement period. Five Keys measures hours worked based on the number of hours you work each month as required by the Affordable Care Act (ACA).

Eligible Dependents

When you enroll yourself in medical, dental, and/or vision coverage, you may also cover your eligible dependents, including:

• Your legal spouse or qualified domestic partner
• Children under the age of 26, regardless of student, dependency or marital status
• Children who are past the age of 26 and are fully dependent on you for support due to a mental or physical disability and who are indicated as such on your federal tax return.

Which Family Members Can You Enroll?

• Your spouse (the person who you are legally married to under state law, including a same-sex spouse, regardless of gender.)
• Your same or opposite sex domestic partner, regardless of gender, is eligible for coverage if you are a legally registered domestic partner who is registered in the State of California. The Cost of Coverage section explains the tax treatment of domestic partner coverage.
• Your children (including your legally registered domestic partner’s children):
  • Under age 26 are eligible to enroll in medical coverage. They do not have to live with you or be enrolled in school. They can be married and/or living and working on their own.
  • Over age 26 ONLY if they are incapacitated due to a disability and primarily dependent on you for support.
  • Named in a Qualified Medical Child Support Order (QMCSO) as defined by federal law.
  • Legal dependents named in custody orders.

Who Is Not Eligible?

Family members who are not eligible for coverage include (but are not limited to):

• Parents, grandparents, and siblings
• Any individual who is covered as an employee of Five Keys cannot also be covered as a dependent
• On-call employees, contract employees, or employees residing outside the United States
• Part-time employees who do not meet the threshold for benefits eligibility
• Transitional Employment Program employees who work variable hours and do not meet the threshold for benefits eligibility.