2019-2020 Open Enrollment information

Enrollment Information

Who may enroll?

All active, full‐time employees regularly scheduled to work a minimum of 30 hours per week and their eligible dependents may participate in Westminster School District’s benefits program. Eligible dependents include:
  • Legal spouse or legally registered domestic partner (RDP)
  • Children (natural, adopted, and step children) from birth up to the age of 26.
  • A handicapped child over the age of 26, if they were actively enrolled in the plan at the time they became disabled/handicapped.
  • Your registered domestic partner’s eligible children.

When you can enroll?

Eligible employees may enroll at the following times:
  •  As a new hire, you may participate in the District’s benefit plans on the first day of the month following your date of hire. Enrollment must take place within 30 days of hire.

Open Enrollment:

Our benefit plans are effective October 1st  through September 30th of each year. There is an annual open enrollment period each year, during which you can make new benefit elections for the following October 1st effective date. A new enrollment form is required each year, even if you do not plan to make any changes.
2019-2020 OPEN ENROLLMENT: June 5 - July 3, 2019
All FORMS DUE: All employees are required to complete and submit a signed Benefit Open Enrollment form by July 3, 2019.
Send all the completed and signed required forms along with the Open Enrollment form to
Westminster School District
Attn: Insurance
14121 Cedarwood Ave
Westminster, CA 92683


WABE – Waiver (Opt out) of Medical

For employees that can provide proof of other insurance coverage there is now an option to opt-out of Medical Coverage. The District is required to pay SISC the cost of the Anchor Bronze coverage ($7,236). The employee will not have any out-of-pocket contribution required unless they choose to maintain Dental and Vision insurance. In that case, the cost of the WABE Opt out, Dental and Vision plans will be applied to the Single Benefit Cap Rate of $7,800. If an employee opts out of all health benefit coverage (medical, dental, & vision) they will have $0 out-of-pocket cost for 2019-2020. To opt out of medical coverage the employee must complete the Waiver Election Form(see below), and provide proof of other insurance coverage. Eligible forms of proof of coverage are:
• Letter from Subscriber’s HR or Benefit Department on company letterhead that includes covered person(s), plan name, and the effective date of coverage OR
• Copy of insurance card (only if card has the effective date of coverage)

Employees selecting WABE will be not be able to enroll in coverage until the district’s next Open Enrollment period (2020-2021) unless they experience a mid-year qualifying event and provide supporting documentation to the district within 30 days. 
Employees that opted out of medical (WABE) for 2018-19 are required to complete a new WABE Form and provide a current proof of other medical insurance coverage.
Changes to enrollment

You may only make changes to your benefit elections if you experience a qualified change in family status as defined by the IRS or if you qualify for a “special enrollment”. However; any changes you make must be consistent with the change in status. If you qualify for a mid-year benefit change, you may be required to submit proof of the change or evidence of prior coverage.
A qualified change in family status includes:
  • An event that is allowed under the Children's Health Insurance Program (CHIP) Re-authorization Act. Under provisions of the Act, employees have 60 days after the following events to request enrollment: Employee or dependent loses eligibility for Medicaid (known as Medi-Cal in CA) or CHIP (known as Healthy Families in CA).
  • An event that is a “special enrollment” under the Health Insurance Portability and Accountability Act (HIPAA) including acquisition of anew dependent by marriage, birth or adoption, or loss of coverage under another health insurance plan.
  • A court order resulting from a divorce, legal separation, annulment, or change in legal custody (including a Qualified Medical Child Support Order) requiring coverage for your child.
  • Change in an individual's eligibility for Medicare or Medicaid.
  • Change in your health coverage or your spouse's coverage attributable to your spouse's employment.
  • Change in place of residence or work site, including a change that affects the accessibility of network providers.
  • Change in a child's dependent status, either newly satisfying the requirements for dependent child status or ceasing to satisfy them.
  • Change in work schedule, including an increase or decrease in hours of employment by you, your spouse, or your dependent child, including a switch between part-time and full-time employment that affects eligibility for benefits.
  • Change in employment status that affects benefit eligibility, including the start or termination of employment by you, your spouse, or your dependent child.
  • Change in number of dependents, including birth, adoption, placement for adoption, or death of a dependent child.
  • Change in legal marital status, including marriage, divorce, legal separation, annulment, and death of a spouse.
  • Employee or dependent becomes eligible to participate in a premium assistance program under Medicaid or CHIP.

Two rules apply to making changes to your benefits during the year:

  • Any changes you make must be consistent with the change in status, AND
  • You must make the changes within 30 days of the date the event occurs (marriage, birth, etc.) unless otherwise noted above

Remember that coverage for a new spouse or newborn child is not automatic. If you experience a change in family status, you have 31 days to update your cover‐age. Please contact the Insurance Department immediately to complete the appropriate election forms as needed. If you do not update your coverage within 31 days from the family status change, you must wait until the next annual open enrollment period to update your coverage.