Active benefits-eligible team members working at least 40 hours per biweekly pay period are eligible to enroll in the Palmetto Health benefits program, including medical, dental, vision, life and supplemental benefits. This includes full-time, class code 4 and part-time class code 3.
All team members are eligible to participate in the retirement savings program.
Your eligible dependents may be enrolled for medical, dental and vision coverage as well as Supplemental Life and Voluntary AD&D Insurance. Eligible dependents are also able to receive Employee Assistance Program services. Coverage for your dependents will begin at the same time as for you (or the date of the qualifying life event that makes a dependent eligible for benefits).
Eligible dependents generally include your:
Legal Spouse +
A life partner joined in a marriage or civil union, including valid common-law marriage in a state that recognizes common-law marriages.
Your Domestic Partner (same sex or opposite sex) +
Information Regarding Coverage for Domestic Partners from Trion (benefits administrator)
Who qualifies as a Domestic Partner?
In order for a Domestic Partner to be eligible for benefits, the team member and his or her Domestic Partner must:
Both be at least 18 years of age
Currently reside together, have lived together for at least one year, and intend to do so permanently
Be financially interdependent and are able to prove interdependence;
Be unrelated by blood or adoption or to a degree of closeness that would prohibit marriage;
Not married to, or legally separated from, or in a Domestic Partnership with another person
Who qualifies as a child of a Domestic Partner?
Children of Domestic Partners are eligible if the Domestic Partner is enrolled for benefits and the child…
Lives with them;
Is younger than the limiting age of the benefits plans (age 26);
Is not otherwise enrolled in an employer’s benefits program;
Is over the age of 26 but incapable of self-sustaining employment due to mental or physical
What are the tax implications of Domestic Partner coverage?
Internal Revenue Service regulations dictate that the portion of the team member's contribution designated for the Domestic Partners and his or her children’s coverage cannot be withheld from the team member's pay check on a pre-tax basis.
This means the portion attributed to the team member's coverage will be taken pre-tax, and the portion attributed to the Domestic Partner/Domestic Partner's children’s coverage will be taken post-tax.
The portion of contributions designated for the Domestic Partner's and his or her children’s coverage must be reported as taxable (“imputed”) income to the team member. Because your domestic partner is not your tax dependent under the Internal Revenue Code, the value of his or her health coverage(s) will be imputed to you as taxable income each pay period and the portion of contributions for the coverage of your domestic partner will be deducted from your pay on an after-tax basis.
the amount is reported on the team member's Form W-2 at the end of the tax year under gross income
Your Children +
Children include: Biological children; legally adopted children including children placed with you for adoption; step-children; grandchildren who permanently live in your household and are principally supported by you if you are related to the child by blood or marriage, and you are the child’s permanent guardian and who qualify as your tax dependent; and, eligible children for whom coverage is required by a Qualified Medical Child Support Order (QMCSO).
Your children are covered under the plan if they meet these conditions:
- Under age 26
- Handicapped (within the meaning of Section 22(e)(3) of the U.S. Internal Revenue Code) over age 25 who are primarily dependent on you until the earlier of (1) cessation of the handicap or dependency; or (2) the end of a 60-day period from the date Palmetto Health or the Plan Administrator requests proof of the existence or continuation of the handicap and dependency, if proof is not provided within the 60-day period.
“Primarily dependent on you” means the child is dependent on you for more than one-half of his or her support, as defined by the U.S. Internal Revenue Code; or was reported as a dependent on your most recent federal tax return.
Please note that unless specified otherwise, these children can be married, do not need to reside with you, do not need to be listed on your tax return as a dependent, and do not need to be a full-time student.
* Note that coverage is extended until the end of the calendar year for dependent children who reach age 26 during the same calendar year.
When You and Your Spouse/Domestic Partner Both Work for Palmetto Health
If you and your spouse/domestic partner both work for Palmetto Health, you may not enroll for dual coverage under the medical, dental and vision plans. That is, neither one of you can be enrolled both as a team member and as a dependent. Your dependent children may be enrolled under either parent, but not both parents.