Dependent Audit | Intact Insurance Specialty Solutions Benefits

DEPENDENT AUDIT

Benefit Express

Benefit Enrollment

The Patient Protection and Affordable Care Act (known simply as the "Affordable Care Act") enacted a rule that prohibits group health plans from rescinding group health plan coverage. Therefore, if you select a coverage tier other than Employee Only you will be required to complete the dependent verification process before any of your elections will be sent to BCBS or Delta Dental for medical and dental. It is important you read the dependent audit process details and follow the instructions when making your benefit selections.

If you are adding a new dependent to coverage during open enrollment, you are required to provide dependent verification by December 1^st.. If you do not provide valid documentation prior to the deadline date, your dependent(s) may not be covered under Intact health coverage for the plan year. If faxing the documentation, please complete and include this cover sheet with your dependent verification and submit to the Intact Benefits Service Center.

Ways to submit your documentation:

Option 1: Using a computer

Employee logs into My Benefit Express.
Navigate to the “Dependents” tab from the Benefits Profile.
The employee clicks on the “Document Upload” button within the portal.

Option 2: Using the mobile app

The employee logs into Benefitexpressway on their mobile device.
The employee clicks on the “Document Upload” button within the portal.
Employee uploads relevant documents and clicks submit.

** Tip: You can take a picture of your documentation with your smart phone and upload it directly to your document library. From the benefits site homepage, select the Upload Verification Documents tab under Helpful Links to upload documentation. **

Dependent Verification documentation must be received within 30 days from your date of hire or 30 days from the date of the life event.

Children

In order to cover a child on your Intact health coverage, you must submit documentation that shows proof of relationship AND proof of age. Please refer to the table below for acceptable documentation:

	Relationship	Proof of Age
Birth Certificate (w/ parents name listed)	X	X
Adoption Certificate	X
Current Redacted Tax Return	X
Driver's License		X
Passport		X
School Document (showing age)		X

Spouses

In order to cover a spouse on your Intact health coverage, you must submit documentation that shows proof of marriage AND shared address. Please refer to the table below for acceptable documentation:

	Proof of Marriage	Proof of Same Address
Marriage Certificate	X
Driver's Licenses (w/ common address)		X
Joint Ownership of Property		X
Proof of Joint Bank/Credit Acct (statement)		X
Current Redacted Tax Return	X

Do not mail original documents as they will not be returned. Please black out social security numbers, account numbers and financial information if they appear on any of your documentation. When submitting tax returns, you only need to include the first page.

*** DO NOT SEND ANY PAPERWORK BACK TO INTACT ***

For questions on this process, please call 1-833-393-0375 Monday through Friday, 7:30 a.m. to 6:00 p.m. Central Standard Time.

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.