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Introduction

Get Answers to General Enrollment Questions

When Does My Coverage Begin?

If you enroll within 31 days of your hire date, your benefits take effect retroactive to your hire date.

What Happens If I Don't Enroll?

You must actively enroll in certain benefits, while other programs are available as you need them. You should enroll in your Benefits 2000 coverage and the Group Legal Plan (if you want the coverage) within 31 days of your hire date.

If you do not enroll within 31 days, you will default to:

If you do not enroll within 31 days, you will not have any other coverage. You can change your medical option at any time, and you can add or delete a dependent from your medical and/or dental coverage at any time during the year. Changes made outside your new hire enrollment or annual enrollment period will take effect the first of the month following the month in which the change is made. However, any paycheck deductions for coverage that's the result of a change made outside an enrollment period are made after tax. So you don't get the same tax savings on changes made outside an enrollment period.

Your next opportunity to enroll in reimbursement account, long term care, and group legal coverage or to change your group term life and long term disability coverage will be during the next annual enrollment period. Changes during annual enrollment will take effect the following January 1.

*The dental FOC option is the only default option with a cost attached. A small contribution will automatically will be deducted from your pay. If you do not want this coverage, you must actively waive dental coverage within 31 days of your hire date.

Do I Need to Enroll in All the Benefit Programs?

PSEG's benefits are flexible, which means you decide which programs to participate in and which coverage options to choose. Since time can change what's most important in your life, you have a chance each year during annual enrollment to change your coverage. Under certain circumstances, as defined by each program, you also can change your coverage during the year, outside of the annual enrollment period.

Through Continuous Enrollment, you can change your medical coverage at any time during the year, with certain restrictions and possible tax implications.

What If I'm Relocating?

Your eligibility for medical and dental coverage options is determined by the zip code of your primary residence. When you log on to Your Benefits Resources to enroll, you'll see the specific coverage options available to you.

Once you've officially relocated and changed your primary residence as a result of your employment with the Company, the medical and dental options available to you may be different based on your new zip code. For example, you may choose one of the Traditional Deductible medical options now because there is no HMO or POS available where other family members may be living during your relocation process, particularly if you are relocating to another state. But there may be several HMOs or a POS option available in your new zip code. The same situation may arise for dental coverage with the Dental Maintenance Organization.

For this reason, you will have 31 days to change your medical and dental options after your move is complete, and you will not suffer tax consequences. By allowing you to enroll in medical and dental coverage now and make changes after you move, the Company helps ensure you have appropriate coverage throughout the relocation process.