Eligibility & Enrollment
Eligibility
Associates* scheduled to work at least 30 hours per week are eligible for the full benefits package. Associates* scheduled to work less than 30 hours per week are eligible for limited benefits,** including Health Advocacy, EAP and Behavioral Health Support, and voluntary supplemental benefits.
New hires are eligible for benefits on the first of the month following or coinciding with 60 days of continuous employment. Associates may also enroll eligible dependents, including:
- Legal spouse
- Children up to age 26 including biological children, stepchildren, adopted children or children for whom you have legal guardianship
- If your child age 26 and over is disabled and lives under your care, please contact HRLink if you wish to inquire about continued coverage
Hancock Whitney does not impose a spousal surcharge on any benefits. However, if your spouse is eligible for coverage through their employer’s health insurance plan, the company encourages the spouse to obtain coverage through their employer’s plan.
Associates cannot be covered as a dependent under another associate’s plan. If you and your spouse are both employed by Hancock Whitney, you may not elect to cover each other as dependents. Additionally, if both you and your spouse are employed by Hancock Whitney, only one of you may cover your eligible children.
*Associates classified as interns, temporary, seasonal or contractors are not eligible for benefits.
**In accordance with the Affordable Care Act, associates who actually work an average of 30 hours or more per week during a 12-month look-back period may be eligible for medical coverage only.
Questions?
- For questions about your benefits, contact Health Advocate at 866-799-2728.
- For questions on the enrollment process, contact HRLink.
Dependent Verification
Hancock Whitney, benefit providers and plan administrators will periodically audit the eligibility of covered dependents. Associates may be asked to submit proof of dependent status by providing a marriage certificate, birth certificate, tax return, etc. Associates are responsible for ensuring that any dependents who become ineligible are removed from Hancock Whitney benefits.
Dependents covered under your benefits who are determined to be ineligible, or for whom sufficient proof of eligibility cannot be provided, will be removed immediately. Premiums will not be refunded, and the associate will be responsible for any claims that may have been paid on their behalf. Associates may also be subject to corrective action up to and including termination.
Enrollment
Whether you are a new or existing associate, you will elect and make changes to your benefit elections in My Workday.
Changing Your Coverage
Open Enrollment is the only time each year associates can change certain coverage, unless a qualifying event occurs. Associates who experience a qualifying event must initiate the requested change in coverage and submit supporting documentation either prior to or within 31 days of the event date through My Workday.
If you, your spouse or dependent loses eligibility for Medicaid or the State Children’s Health Insurance Program (SCHIP) coverage, you have 60 days from loss of eligibility to change your elections. You must provide documentation of the loss. Qualifying events allowing you to add coverage for yourself or a dependent include:
- Marriage
- Birth, adoption or legal guardianship
- Court orders regarding medical coverage
- Change in employment status of you, your spouse or dependent that affects eligibility for coverage
- If you, your spouse or dependent loses eligibility for Medicare, Medicaid or other outside health coverage
- Significant cost or coverage changes under spouse’s plan
Elections begin on the first of the month on or after the event. Life event changes are contingent on timely submission of documentation.
Qualifying events allowing you to cancel coverage for yourself or a dependent include:
- Divorce or legal separation
- Death of a dependent
- Court orders regarding medical coverage
- Change in employment status of you, your spouse or dependent that affects eligibility for coverage
- Loss of eligibility due to age
- If you, your spouse, or dependent becomes eligible for Medicare, Medicaid or other outside health coverage
- Significant cost or coverage changes under spouse’s plan
*In accordance with the Affordable Care Act (ACA), part-time associates working an average of 30 hours or more per week during a 12-month look-back period may be eligible for medical coverage only.