Dependent Definitions

You are eligible to enroll in the Plan if you are a regular full-time Participant who is scheduled to work at least 30 hours per week.

Your eligible Dependents may also participate in the Plan. An eligible Dependent is considered to be:

• your Spouse, an individual to whom you are legally married.
• you or your Spouse's unmarried child who is under age 26, including a natural child, stepchild, a legally adopted child, a child placed for adoption or a child for whom you or your Spouse are the legal guardian;
• an unmarried child of any age who is or becomes disabled and dependent upon you; or

Note: Your Dependents may not enroll in the Plan unless you are also enrolled. If you and your Spouse are both covered under the Crescent Crown Distributing LLC Employee Welfare Benefit Plan, you may each be enrolled as a Participant or be covered as a Dependent of the other person, but not both. In addition, if you and your Spouse are both covered under the Crescent Crown Distributing LLC Employee Welfare Benefit Plan, only one parent may enroll your child as a Dependent. 

A Dependent also includes a child for whom health care coverage is required through a Qualified Medical Child Support Order or other court or administrative order, as described in Section 13, Other Important Information.

Changing Your Coverage

You may make coverage changes during the year only if you experience a change in family status. The change in coverage must be consistent with the change in status (e.g., you cover your Spouse following your marriage, your child following an adoption, etc.). The following are considered family status changes for purposes of the Plan: 

• your marriage, divorce, legal separation or annulment;
• the birth, adoption, placement for adoption or legal guardianship of a child;
• a change in your Spouse's employment or involuntary loss of health coverage (other than coverage under the Medicare or Medicaid programs) under another employer's plan;
• loss of coverage due to the exhaustion of another employer's COBRA benefits, provided you were paying for premiums on a timely basis;
• the death of a Dependent;
• your Dependent child no longer qualifying as an eligible Dependent;
• a change in you or your Spouse's position or work schedule that impacts eligibility for health coverage;
• contributions were no longer paid by the employer (This is true even if you or your eligible Dependent continues to receive coverage under the prior plan and to pay the amounts previously paid by the employer); 
• you or your eligible Dependent who were enrolled in an HMO no longer live or work in that HMO's service area and no other benefit option is available to you or your eligible Dependent; 
• benefits are no longer offered by the Plan to a class of individuals that include you or your eligible Dependent; 
• you or your eligible Dependent incurs a claim that would exceed a lifetime limit on all benefits under the elected health care option through Crescent Crown Distributing L.L.C.; 
• termination of your or your Dependent's Medicaid or Children's Health Insurance Program (CHIP) coverage as a result of loss of eligibility (you must contact your Benefits Representative within 60 days of termination); 
• you or your Dependent become eligible for a premium assistance subsidy under Medicaid or CHIP (you must contact your Benefits Representative within 60 days of determination of subsidy eligibility); 
• a strike or lockout involving you or your Spouse; or 
• a court or administrative order. 

Unless otherwise noted above, if you wish to change your elections, you must contact your Benefits Representative within 31 days of the change in family status. Otherwise, you will need to wait until the next annual Open Enrollment.