When coverage ends

 
 

Benefits Summary Plan Description

When coverage ends

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When Coverage Ends

Coverage for most benefits will end as of the last day of the pay period for:

  • Termination of employment;
  • Failure to pay required premiums;
  • Commencement of a leave of absence;
  • Loss of eligibility status

In the case where the participant is still covered but the dependent loses eligibility, coverage for dependents end on the date they no longer meet the definition of dependent under Leidos's plan.

If the participant is divorcing, or is granted a legal separation, coverage for the spouse ends on the day the divorce is final or the effective date of the legal separation. If dissolving a registered domestic partnership, coverage for the registered domestic partner ends on the date reflected as the Termination of Domestic Partnership.

Coverage for children ends on the last day of the month of their 26th birthday.

Coverage for a permanently disabled child continues as long as the child qualifies as a disabled dependent as determined by the plan. Periodic proof of continued disability (generally once every 24 months) will be required.



Family and Medical Leave

Federal law and Leidos policy determine eligibility for family and medical leave. Eligible employees may take up to 12 weeks of unpaid family and medical leave. Leidos will continue health care coverage for a participant and covered dependents while the participant is on approved family or medical leave unless the participant elects to suspend coverage during the leave. If continued coverage is elected, the participant is responsible for the same contribution paid while working. If suspension of coverage is elected, the same elections in effect prior to the leave will be reinstated when the participant returns to work, unless the participant experiences a qualified status change.



Disability

If a participant is totally disabled and the disability continues for more than 180 days, disability benefits may continue but medical, dental, vision and EAP coverage under the active group plan will end. Participants may choose to continue coverage at their own expense under COBRA. Under certain circumstances, the participant may participate in the Health Care Flexible Spending Account — on an after-tax basis — under COBRA.

If an employee's disability extends beyond 180 days, life insurance benefits will continue until the earliest of the following dates:

  • The date the employee is no longer disabled;
  • The date the maximum benefit period ends:
  • The day after the period for which premiums are paid.


Military Leave

If a participant is on a military leave of absence, he or she is eligible to elect COBRA continuation coverage.

COBRA coverage may continue for 24 months or until the day after the participant fails to return to work after the end of the leave, whichever is sooner. Coverage will also end if the participant fails to make any required contributions on a timely basis. See "Continuing Health Care Coverage Through COBRA"; in the Plan Information section.



Reinstatement of Benefits

If a participant returns to work after a leave of absence, and coverage ended during the absence, coverage will be reinstated on the first day the participant returns to active work in an eligible status. If the participant is returning to work in a new plan year, new benefit elections may be required for certain plans, such as the Flexible Spending Accounts.