Who's Covered?
You are eligible for benefits if regularly scheduled to work 20 or more hours per week in a benefits eligible position. Coverage is effective first of the month following your date of hire or benefit eligible status change. When you enroll for benefits, you can also enroll your eligible dependents:
- Your legal spouse
- Your eligible domestic partner* – see below for eligibility and Federal Tax Treatment
- Your child(ren) or your spouse/domestic partners child(ren) up to age 26
- Includes biological, adopted or stepchildren, foster children, or your legal dependents. Also includes foster child(ren) placed with the member by an authorized placement agency or by judgment decree, or other court order.
Disabled adult child dependent over age 26 years who meet the Salem Health eligibility criteria. Please see the Salem Health Plan Document for details.
* Domestic Partner (applies to unregistered domestic partners only)
Domestic partnership, is consisting of two persons in which:
- Jointly shared the same permanent residence for at least six (6) months immediately preceding the date of this declaration and intend to continue to do so indefinitely;
- Have a close personal relationship with each other;
- Are not legally married to or in a registered domestic partnership with anyone;
- Are each eighteen (18) years of age or older;
- Are not related to each other by blood in a degree of kinship closer than would bar marriage in the State of Oregon;
- Were mentally competent to contract when the domestic partnership began;
- Are each other’s sole domestic partner; Are jointly responsible for each other’s common welfare including “basic living expenses.”
“Basic living expenses” means the cost of basic food, shelter, and any other expenses of a member of the domestic partnership which are paid at least in part by a program or benefit for which the partner qualified because of domestic partnership. The individuals need not contribute equally or jointly to the cost of these expenses as long as they agree that both are responsible for the cost; and meet the definition of domestic partner as set forth in the Summary Plan Description.
Federal Tax Treatment of Group Health Plan Benefits Provided to Domestic Partners and Children of Domestic Partners
Federal law permits only certain individuals (employees, same or opposite-sex spouses, tax dependents as defined under Code § 152, and any child of the employee who has not attained the age of 27 as of the end of the taxable year to receive tax favored treatment of the benefits provided under our group health plan.
If your domestic partner (and any child of the domestic partner – if applicable) is covered by our health plan (medical, dental, vision coverage) and is not your tax dependent, there are potential income tax consequences. The value of the coverage provided to your domestic partner, less any after-tax contributions you make, will be taxable as income to you (Imputed Income). Further, expenses of a non-tax dependent are not eligible for reimbursement through the Health Flexible Spending Account (FSA), or Health Savings Account (HSA).
Whether or not your domestic partner (and any child of a domestic partner – if applicable) qualifies as your tax dependent is based on your personal situation. As your employer, we cannot make that determination on your behalf. If you have specific questions regarding your personal situation, please consult with your tax advisor.
Full Time Employees
| Imputed Income for Full Time employees | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Imputed Income for Full Time Employees | ||||||||||||
| For elected coverage the amount noted will be added to each check as taxable income. | Prime HDP | Choice MHP | Dental Basic | Dental + Ortho | Vision Basic | Vision Premium | ||||||
| Employee + Domestic Partner | $383.08 | $323.17 | $13.96 | $14.51 | $1.04 | $1.11 | ||||||
| Employee + Domestic Partner child(ren) | $307.47 | $270.24 | $17.21 | $18.00 | $0.66 | $0.71 | ||||||
|
Employee + Employee child(ren) and Domestic Partner child(ren) (Both Children) |
$153.74 | $135.12 | $8.61 | $9.00 | $0.33 | $0.36 | ||||||
| Employee + Domestic Partner + Employee children | $541.83 | $461.55 | $20.96 | $21.98 | $1.99 | $1.95 | ||||||
| Employee + Domestic Partner + Domestic Partner child(ren) | $849.30 | $731.79 | $38.17 | $39.98 | $2.65 | $2.66 | ||||||
|
Employee + Domestic Partner + Employee child(ren) and Domestic Partner child(ren) (Both Children) |
$695.57 | $596.67 | $29.57 | $30.98 | $2.32 | $2.30 | ||||||
Part Time Employees
| Imputed Income for Part Time employees | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Imputed Income for Part Time Employees | ||||||||||||
| For elected coverage the amount noted will be added to each check as taxable income. | Prime HDP | Choice MHP | Dental Basic | Dental + Ortho | Vision Basic | Vision Premium | ||||||
| Employee + Domestic Partner | $379.58 | $274.17 | $7.96 | $5.51 | $0.00 | $0.00 | ||||||
| Employee + Domestic Partner child(ren) | $305.47 | $237.74 | $9.21 | $6.50 | $0.16 | $0.21 | ||||||
|
Employee + Employee child(ren) and Domestic Partner child(ren) (Both Children) |
$152.74 | $118.87 | $4.61 | $3.25 | $0.08 | $0.11 | ||||||
| Employee + Domestic Partner + Employee children | $540.83 | $419.05 | $11.96 | $8.48 | $1.99 | $1.95 | ||||||
| Employee + Domestic Partner + Domestic Partner child(ren) | $846.30 | $656.79 | $21.17 | $14.98 | $2.15 | $2.16 | ||||||
|
Employee + Domestic Partner + Employee child(ren) and Domestic Partner child(ren) (Both Children) |
$693.57 | $537.92 | $16.57 | $11.73 | $2.07 | $2.05 | ||||||
Qualifying Life Event
You can also change your benefits during the year if you have a qualified life event in your work or family situation. Qualifying life events include, but are not limited to:
- Marriage, divorce, or termination of a domestic partnership
- Birth, adoption, or change in custody of a child, including foster children
- Death of a spouse/domestic partner, or a child
- Child’s loss of dependent and/or eligibility status (e.g., turns age 26)
- A change in your spouse/domestic partner’s employment status or benefits coverage
- Loss or gain of eligibility for coverage elsewhere
Employees must take action in MyHR Employee Space within 30 days of the qualifying life event if you wish to change your benefits.
The date of the qualifying life event is the first day of your 30 day window to make enrollment changes/elections. Eligible changes are effective the first day of the following month. Newborns enrolled within 30 days are covered from their date of birth.
If you decline enrollment for yourself or eligible dependents (including your spouse) while Medicaid coverage or coverage under a State CHIP program is in effect, you may be able to enroll yourself and your dependents in this plan if:
- coverage is lost under Medicaid or a State CHIP program; or
- you or your dependents become eligible for a premium assistance subsidy from the State.
In either case, you must request enrollment within 60 days from the loss of coverage or the date you become eligible for premium assistance.
