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IMPORTANT: If you do not elect your benefits during the annual Open Enrollment period or within 31 days of your date of hire, you will not have Roper St. Francis Healthcare health plan coverage until the next year unless you have a qualified life event as defined by the IRS.
HAVE A QUESTION?
If you can’t find an answer to your question after reviewing the information on this site, please email HRBenefitsTeam@rsfh.com or call (843) 720-8400.
Your Benefits Eligibility
Roper St. Francis Healthcare provides you with various benefits designed to meet your needs. Eligibility for certain benefits depends on your normal number of scheduled hours per pay period.
Your Benefits Eligibility (2023)
| STATUS | BENEFITS ELIGIBILITY |
|---|---|
| All Employees | 403(b) Retirement Workers’ Compensation Employee Assistance Program PerkSpot Employee Discount Program Fiducius Student Loan Relief LifeMatters Family Services |
| 40 or More Hours Per Pay Period | All of the above, plus Medical Dental Vision Flexible Spending Account Health Savings Account Short-Term Disability Universal Life Critical Illness Insurance Accident Insurance PTO EIH |
| 64 or More Hours per Pay Period | All of the above, plus Long-Term Disability Life Insurance Supplemental Life Insurance Spouse Life Insurance Child Life Insurance |
Your Benefits Eligibility (2024)
| STATUS | BENEFITS ELIGIBILITY |
|---|---|
| All Employees | 403(b) Retirement Workers’ Compensation Employee Assistance Program Employee Discount Program Fiducius Student Loan Relief LifeMatters Family Services |
| 30 or More Hours Per Pay Period | All of the above, plus Medical Dental Vision Flexible Spending Account Health Savings Account Short-Term Disability Life Insurance Supplemental Life Insurance Child Life Insurance PTO |
| 60 or More Hours per Pay Period | All of the above, plus Long-Term Disability Holidays |
Dependent Eligibility
Your eligible dependents may be enrolled for medical, dental and vision coverage(s), as well as Supplemental Term Life Insurance. Eligible dependents generally include the following:
- Your legal spouse, including valid common-law marriages in a state that recognizes common-law marriages
- Your children (including natural children, legally adopted children (including a child placed for adoption) or foster children, your stepchildren or your grandchildren if the grandchild qualifies as your dependent under Code Section 152 and as follows:
- Medical, dental, vision and Supplemental Term Life Insurance plans: Up to age 26, regardless of tax dependency (see above for grandchildren eligibility), residency, financial support, student or marital status. (Grandchildren are not eligible for the Supplemental Term Life Insurance plan.) Roper St. Francis Healthcare covers your dependent children until the end of the month of their 26th birthday. For example: If your child turns 26 years old on June 5, he will be covered through June 30.
- Your physically or mentally disabled children of any age may be eligible for coverage, provided they are dependent on you for financial support as defined in the Internal Revenue Code.
Teammates must provide proof of dependent eligibility at the time of enrollment.
> List of Acceptable Dependent Documentation.
When You and Your Spouse Both Work for RSFH
If you and your spouse both work for RSFH, you may not enroll for dual coverage under the Medical, Dental, Vision and Dependent Life Insurance plans. That is, neither one of you can be enrolled both as an employee and as a dependent. Your dependent children may be enrolled under either parent, but not both parents.
If You and Your Spouse Both Have Coverage
Individuals may be protected by more than one group health plan. Most group health plans include provisions to keep the cost of medical care down by eliminating duplicate payment of benefits. When our plan is determined to be secondary and the benefit is less than or equal to what the other carrier paid, no payment will be made under our plan. This is commonly referred to as “coordination of benefits.”
Special Note: The IRS recognizes any same-sex marriage legally entered into in one of the 50 states, the District of Columbia, a U.S. territory or a foreign country. That means you can pay your share of contributions for coverage of your same-sex spouse under an RSFH-sponsored health plan on a pre-tax basis and you can use your Health FSA for your same-sex spouse’s eligible out-of-pocket medical expenses.