Participation for Long-Term Disability Recipients

If you become eligible for long-term disability from an employer-sponsored plan, you are eligible to continue participation in your MCHCP plan provided you have had coverage since the effective date of the last Open Enrollment period. At the date of disability, if you did not have coverage through MCHCP but had other health insurance coverage for the six months immediately prior to your disability, you may enroll in an MCHCP plan. Proof of other insurance including effective dates of coverage and termination date is required. You may continue coverage on your dependents if they had coverage since the effective date of the last Open Enrollment period prior to your disability. Your dependents may be added to your MCHCP plan at the date of your disability provided they had other medical coverage for the 6 months immediately prior to your disability. Proof of other insurance including effective dates of coverage and termination date is required when you enroll with MCHCP. You may also add new dependents when they are first eligible. Once your coverage has terminated as an active employee, you pay the cost for the coverage for both yourself and your eligible dependents. You are responsible for paying premiums whether or not you are notified by MCHCP.

If you become ineligible for disability benefits, you may continue coverage on yourself and your eligible dependents as a terminated vested subscriber, retired subscriber or through COBRA (whichever is applicable), unless you return to active employment. If coverage is not maintained while on disability, you may enroll yourself and/or your dependents at the date you are eligible for retirement benefits as long as you had other health insurance coverage for the six months immediately prior to your retirement date. Proof of other health insurance coverage including effective dates of coverage and termination date is required.

If you or your spouse become Medicare eligible, you must notify MCHCP and submit a copy of your and/or your spouse’s Medicare card(s).