Benefit Eligibility | Intact Insurance Specialty Solutions Benefits

BENEFIT ELIGIBILITY

Intact offers a wide array of benefits to all US employees, but the level of benefits depends upon your regularly scheduled hours.

Regularly Scheduled Hours/Week	Benefit Eligibility
All employees (excluding interns & co-ops)	401(k), Annual Employer Contributions Plan, Business Travel Accident, and Commuter
20 or greater	All benefits

You also have the opportunity to enroll your eligible dependents. Dependents can be initially enrolled within 30 days of hire, annually during open enrollment, or within 30 days of a qualified change in family status.

The Intact Welfare plan defines eligible dependents as follows:

Spouse - Your legally married spouse. Legal spouses include common-law spouses in states that recognize common-law marriages. If you become divorced your ex-spouse is no longer eligible for coverage.
Child(ren) - Your children up to the age 26. Child means: natural child; step-child by legal marriage, adopted or for whom legal guardianship has been awarded.

Intact Insurance Specialty Solutions is the marketing brand for the insurance company subsidiaries of Intact Insurance Group USA LLC. Coverages may be underwritten by one of the following insurance companies: Atlantic Specialty Insurance Company, a New York insurer; Homeland Insurance Company of New York, a New York insurer; Homeland Insurance Company of Delaware, a Delaware insurer; OBI America Insurance Company, a Pennsylvania insurer; OBI National Insurance Company, a Pennsylvania insurer; or The Guarantee Company of North America USA, a Michigan insurer. Each of these insurers maintains its principal place of business at 605 Highway 169 N, Plymouth, MN 55441, except The Guarantee Company of North America USA, which is located at One Towne Square, Southfield, MI 48076. This material is intended as a general description of certain types of insurance coverages and services. Coverages and availability vary by state; exclusions and deductibles may apply. Please refer to your insurance policy or consult with your independent insurance advisor for information about coverages, terms and conditions. Some coverage may be written by a surplus lines insurer through a licensed surplus lines broker. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.