It’s important to know how your benefits are impacted by loss of coverage or termination and to plan accordingly. If your employment status has changed and you are no longer eligible for benefits, if you’re planning for a leave of absence, or if your employment has been terminated, the information on this page will help you to prepare.
Know When to Take Action
Some APTIM benefits require that you take action when you lose eligibility. You can verify your enrollment information at any time by logging on to the APTIM Benefits Marketplace website at digital.alight.com/aptim. From the homepage, click the “Your Insurance Coverage” quick action from the left-hand menu.
If you were enrolled in…
Medical, Dental, Vision: You will receive COBRA documents that provide information for electing continuation services under COBRA. You will have 60 days to make your COBRA elections from the time of your eligibility status change.
Notice regarding TX Senate bill 51: It is important to note that, under this legislation, your coverage will terminate at the end of the month that the carrier receives your termination information. Please reach out to the APTIM Benefits Marketplace with any questions or concerns related to your coverage termination under this rule.
Life (Self, Spouse, Child) and Disability (Short-Term Disability, Long-Term Disability) Insurance: You will receive information from New York Life regarding portability and conversion options for your coverage. If you choose to take advantage of portability and conversion, keep in mind that your response to New York Life is time-sensitive. You must respond by the deadline in the letter you receive from New York Life.
Please contact New York Life with any questions or concerns regarding your deadline to submit forms.
Health Care, Dependent Care, or Limited Purpose Flexible Spending Account (HCFSA, DCFSA, or LPFSA): You have until the plan year run-out date (March 31 of the following year) to file claims for expenses incurred during your period of active benefits coverage. Log on to the APTIM Benefits Marketplace website at digital.alight.com/aptim to access your Alight Smart-Choice Accounts profile and file a claim.
Health Savings Account (HSA) through Bank of America: Your account will move out from under the APTIM group and into an individual HSA for Life. You will receive a letter and new HSA card from Bank of America.
Your coverage in all other elected APTIM benefits will terminate at 11:59 p.m. local time on your separation date or your last day of benefits eligibility.
Know Who to Contact
You may need assistance as you prepare for the next steps. There are many resources available to help when you have questions. The nature of your issue can help determine the best place to start.
Contact the APTIM Benefits Marketplace online or via phone regarding…
- Eligibility for coverage and benefit options
- Benefit premiums and/or employee contributions
- Employment status changes that may affect your benefits (an increase or decrease in work hours that changes your status from full time to part time or vice versa)
- Updates to your life insurance and/or accidental death and dismemberment (AD&D) beneficiary designations
Visit the APTIM Benefits Marketplace online at digital.alight.com/aptim or by phone at 1.833.476.2342. Representatives are available 8:00 a.m. to 5:00 p.m. CT, Monday through Friday.
Contact your insurance carrier regarding getting help with…
- Understanding your benefits plan and how it works
- Resolving health insurance claims or billing issues (medical, prescription drug, dental, vision, HSA, and HCFSA)
- Finding the right doctors and hospitals
- Scheduling appointments, especially with hard-to-reach specialists
- Securing second opinions
- Obtaining ID cards
- Information about your covered benefits
- Locating in-network providers, facilities, hospitals, and pharmacies
- Questions or disputes about your Explanation of Benefits (EOB)
- How to file a claim
Use the Benefit Contacts chart for insurance carrier contact details.
Contact your local Human Resources department at 1.833.278.4643, option 3, regarding…
- Taking a leave of absence
- Filing a workers’ compensation claim
- Changing your address, email, or phone number on file with APTIM
- Transferring to another location within APTIM
- Terminating employment
Leave of Absence
When taking a leave of absence (LOA), your benefits coverage will continue. Once you are on a LOA for six months or longer, you will no longer have access to your active benefits coverage under APTIM and a COBRA Qualifying Event will be opened. If you were enrolled in a medical, dental, or vision plan or an FSA, you will be able to continue these elections under COBRA coverage. Once your status change from APTIM is submitted, you will receive paperwork that provides cost and coverage information under COBRA.
Helpful Resources
From work or home, you can access the APTIM Benefits Marketplace website at digital.alight.com/aptim. If you are logging on for the first time, click “New User?” to create an account. If you are having issues logging on, click “Forgot User ID or Password?”
Take advantage of the Loss of Coverage Checklist to help you navigate your loss of coverage.
Refer to the Benefit Contacts chart for important contact information related to your benefit plans.