New to BEK?
Welcome! Don’t forget to enroll in benefits coverage before your 60th day of employment, or your 30th day of employment for Southeast Division employees. These step-by-step instructions make enrolling fast and easy. Go to mybenekeith.com > Benefits > Benefits Enrollment and review the New Hire Decision Guide. It contains information about each plan and explains how (and when) to enroll.
Already a BEK employee?
Want to change your benefits coverage during the year due to a change in your life like getting married or having a baby? Your HR Manager or Office Manager can provide you with a 2019 Enrollment Change Form. Be sure to complete and submit the form within 31 days of your qualified life event.
Click on a topic to learn more.
When coverage begins
BEK-provided life/AD&D insurance will begin on the first day of the month following 60 days of full-time employment with Ben E. Keith, or 30 days of employment if you are a Southeast Division employee. Your health care and additional life/AD&D insurance benefits will begin on the same day if you elect coverage before your 60th day of employment, or 30th day of employment for Southeast Division employees.
Changing Benefits During the Year
The IRS doesn’t allow you to make changes during the year unless you have a qualified life event like getting married or having a baby. Go to mybenekeith.com > Benefits > Benefits Enrollment for more information.
Adding a Family Member to Your Coverage
If you have a qualified life event and want to change your elections or add a dependent, ask your HR Manager or Office Manager for a 2019 Enrollment Change Form. Be sure to complete and submit the form within 31 days of your qualified life event. If you don’t, your dependent(s) won’t have coverage and you can’t add them until the next Annual Enrollment.
If you want to enroll your dependents in medical, dental, vision and/or supplemental life/AD&D coverage, you will be asked to provide documentation that verifies they are eligible for coverage. Review this list of acceptable documents then be sure to return the requested documents by the deadline or your dependents will not have coverage.
Naming a Beneficiary
If something happens to you, you’d want to know your insurance was paid to the person(s) of your choice. That may not happen if you haven’t named a beneficiary yet. Go to mybenekeith.com to review, change or name a beneficiary.
Paying for Coverage
Payroll deductions will be withheld from your Ben E. Keith paycheck to pay for your benefits. If you are paid weekly, your deductions pay for coverage for the previous week.
If you are enrolled in the BEK HSA Medical Plan, you may also contribute to a Health Savings Account on a pre-tax basis, if you do not have other disqualifying coverage.
Check your paycheck to make sure that the proper deductions are being taken. Notify your HR Manager or Office Manager if you have questions.
Medical Plan Surcharges
You may pay additional costs for medical coverage if you choose to cover your working spouse or if you use tobacco products.
WORKING SPOUSE SURCHARGE
If your spouse is currently working and eligible for medical coverage through their employer, you will pay a $100 monthly charge in addition to your medical costs.
You’ll pay $100 more per month for Ben E. Keith medical coverage if you use tobacco in any form —cigarettes, e-cigarettes, cigars, pipes, snuff or chewing tobacco. If you use tobacco but want to quit, call QuitLogix at 1-855-372-0040 or go to https://helpline.quitlogix.org/en-US.
If you are unable to participate in the tobacco cessation program because your doctor has determined that it would be medically inadvisable, Ben E. Keith will work with you to provide another alternative for you to avoid the $100 per month surcharge.