When Coverage Begins

Your Robert Half benefits coverage becomes effective on your eligibility date, provided you enrolled by the deadline.

  • If you enroll in benefits as a new hire, your coverage (and your deductions) are effective as of your eligibility date. The first deduction(s) may not begin to be taken from your paycheck until one or two pay periods after you enroll, which means you may owe retroactive deductions. These retroactive deductions will be taken from your paychecks in addition to the regular per-pay-period deductions you see on the Mercer Marketplace 365. To minimize retroactive deductions, consider enrolling early.
  • If you enroll during Open Enrollment, your benefits will generally be effective beginning January 1 of the following year.

For more information regarding coverage following a qualified life event, contact the Mercer Marketplace 365 at 1.855.879.6739.

When Coverage Ends

If your employment ends, or if you terminate coverage due to a qualified life event, your medical, dental and vision coverage ends on the last day of the month. Identity protection, legal coverage, and auto and home insurance also end on the last day of the month.

Supplemental medical insurance options, HSA, FSAs, disability coverage, basic and supplemental life and accident insurance, commuter benefits, universal life insurance and pet insurance end on the termination date.

FSA and Commuter Benefits

If your employment ends, or if you terminate the plan as part of a qualified life event change, your FSA and/or commuter benefits coverage ends on your termination date. The deadlines to file claims are:

  • FSAs: You have 90 days from the end of the plan year (March 31, 2021) to submit claims received within the 2020 plan year up to the termination date. You can’t file claims for services received after the termination date.
  • Commuter benefits: You have 90 days from the termination date to submit claims for services. Claims must be submitted within 180 days of the date the claim was incurred.

Note: You will forfeit any funds remaining in your account after all qualified claims have been paid.

COBRA Coverage

If you leave Robert Half or become ineligible for benefits, your current coverage will end. You and/or your covered dependents elect to continue medical, dental, vision, and Health Care Flexible Spending Account benefits through COBRA. COBRA — the Consolidated Omnibus Budget Reconciliation Act — generally allows you and your dependents to continue your insurance under the group policy for 18 months after you cease to be an active employee. If your dependent(s) loses coverage due to your death or divorce, or because he or she reaches the eligible dependent age limit, his or her coverage may be continued for up to 36 months. Through COBRA, you can elect each benefit and coverage level separately, and your coverage will be identical to what you had in place on your last day of employment or eligibility. However, your cost will be the full premium (both your and Robert Half’s portions) plus a 2% administration fee for TRI-AD, our COBRA administrator. Therefore, it costs more than what you have been paying. You may want to visit the federal health insurance marketplace to compare plans and costs — you might find a more cost-effective option elsewhere. For questions about COBRA coverage, contact TRI-AD at 1.866.268.0142 (Option 4).

iconSurvivor Health Care Benefits

Surviving dependents of a deceased employee will receive three months of COBRA medical, dental, and vision coverage paid for by Robert Half, as long as the dependents were covered under the Robert Half health plans at the time of the employee’s death.

iconConversion of Coverage

You or your covered dependent may convert basic life insurance and/or supplemental life insurance to an individual whole life insurance policy if your or your covered dependent’s life insurance ends under the group policy.

You or your covered dependent may convert this insurance by applying and paying the first premium for an individual policy within 31 days after any part of your or your insured dependent’s insurance coverage ends. For more information, refer to your Certificate of Coverage or call 1.855.879.6739.