Benefits Eligibility

All full- and part-time employees and their dependents are eligible. Temporary, Co-op Student, Intern or Trainee are not eligible.  

- Eligible Dependents

• Your Spouse, or Domestic or Civil Union Partner regardless of sex or gender, who, together and with respect to an Eligible Employee, meets the following criteria:
  • (A) If the Eligible Employee and the individual reside in a state or locality that maintains a registry of domestic partnerships or civil union partnerships, comply with such state or local registration process.
  • (B) If the Eligible Employee and the individual do not reside in a state or locality that maintains a registry of domestic partnerships or civil union partnerships, meet all of the following criteria (and so certify under penalty of perjury)—
    • (i) They reside in the same household
    • (ii) They are each age 18 or older
    • (iii) They have the mental capacity sufficient to enter into a valid contract
    • (iv) They are not related to each other by blood
    • (v) They are not married to each other or to another person and are not the domestic partner or civil union partner of another individual
    • (vi) They consider themselves to have a close and committed personal relationship and have no other such relationship with any person
    • (vii) They are responsible for each other’s welfare and financial obligations, and Terms You Should Know Nokia Medical Expense Plan, 1/2021 Page 13
    • (viii) They provide such other information as may be necessary for the Plan to determine whether the individual (or the Children of such individual) are Eligible Dependents under the Plan.

An Eligible Employee may not enroll more than one Domestic or Civil Union Partner (and, if the Eligible Employee has a Spouse, may not enroll any Domestic or Civil Union Partner).

• Your Child (through the end of the month in which such Child attains age 26)
  • The Eligible Employee’s biological child(ren) 
  • The Eligible Employee’s stepchild(ren) (i.e., the biological child(ren) of the Eligible Employee’s spouse) 
  • The Eligible Employee’s legally adopted child(ren), including child(ren) who are placed with the Eligible Employee for adoption 
  • The legally adopted child(ren) of the Eligible Employee’s spouse, including child(ren) who are placed with the Eligible Employee’s spouse for adoption
  • Child(ren) for whom the Eligible Employee and/or the Eligible Employee’s spouse is (are) appointed as legal guardian as defined by a court order (this does not include wards of the state or foster child(ren)); 
  • Child(ren) for whom the Eligible Employee is required to provide coverage under a Qualified Medical Child Support Order (QMCSO).
• Your Adult Disabled Child who has attained age 26, provided such Child meets all of the following requirements:
  • The Child was covered under the Plan as an eligible dependent immediately prior to attaining age 26, and
  • The Child, prior to attaining age 26 and thereafter was and remains-- - Physically, mentally, or developmentally disabled, and - Incapable of self-support, and - Fully dependent on you for support; and  
  • The Child is certified by the claims administrator for the Nokia Medical Expense Plan for Employees as incapacitated due to disability (certification process must be started within 31 days of the end of the month in which the Child turns age 26).
• The Child of your Domestic or Civil Union Partner (through the end of the month in which such Child attains age 26 and provided such Child lives with you).
  • The Domestic or Civil Union Partner’s biological child(ren), provided such child(ren) is (are) living with the Eligible Employee 
  • The Domestic or Civil Union Partner’s legally adopted child(ren), including child(ren) placed with such partner for adoption, provided such child(ren) is (are) living with the Eligible Employee
  • Child(ren) for whom the Domestic or Civil Union Partner is appointed as legal guardian as defined by a court order (this does not include wards of the state or foster child(ren)), provided such child(ren) is/are living with the Eligible Employee.

Note: This coverage applies only with respect to the Child(ren) of an Eligible Employee (including stepchildren). It is not available with respect to the Child(ren) of a Domestic or Civil Union Partner.

EyeMed Vision Care, MetLife Legal and PinnacleCare Health Advisory Services

• You can only enroll or make changes during the annual open enrollment period. If you currently have EyeMed Vision Care, MetLife Legal or PinnacleCare Health Advisory Services and would like to keep it, you do not need to take any action; you will automatically be re-enrolled with the same coverage level for next year. 
• You can enroll within 31 days of your hire/rehire date.
• You can enroll or add a spouse and/or dependent child(ren) within 31 days of a qualifying status change A qualified status change includes:
  • Change in marital status: your marriage, divorce, legal separation, the annulment of your marriage, or the death of your Spouse. 
  • Change in Domestic or Civil Union Partner Status: The entering into of, or termination of, a Domestic or Civil Union Partner relationship.
  • Change in the Number of Eligible Dependents: The birth, death, legal adoption, or placement for legal adoption of one of your Eligible Dependents.
  • Change in Employment Status, Work Schedule, or Worksite That Causes A Change in Eligibility:  You or Eligible Dependent: 
    • Becomes employed or loses employment 
    • Experiences a change in worksite, or 
    • Reduces or increases hours of employment, including a switch between part-time and full-time employment or the start of, or a return from, a leave of absence.

Note: Without a change in eligibility, the above changes will not permit a mid-year change.

• Your Dependent Meets or No Longer Meets the Eligibility Requirements:  An event that causes a dependent to meet or to no longer satisfy the Plan’s eligibility requirements, for example, a Child reaches the maximum age for coverage
  • Change in Place of Residence: A change in permanent residence for you or an Eligible Dependent that causes a loss of eligibility for coverage.
  • Significant Cost or Coverage Changes:  A significant change in the cost or coverage under the Plan (for example, if costs significantly increase mid-year, you may be eligible to drop coverage) or a significant change in cost or coverage under another employer’s group health plan in which one of your Eligible Dependents participates. (For example, if costs significantly increase under your Spouse’s plan mid-year, your Spouse may be able to disenroll from the other employer’s plan and enroll in the Medical Plan.)
  • Court-Ordered Coverage: A change in your responsibility to provide healthcare coverage for a dependent Child as stipulated in a judgment, decree or court order resulting from a divorce, legal separation, annulment or change in legal custody (for example, a Qualified Medical Child Support Order). Documentation must be submitted.
• Other than the reasons listed above, you cannot enroll at any other time in the EyeMed Vision Care Plan, MetLife Legal Plan or PinnacleCare Health Advisory Services.

LifeLock with Norton Identity Theft Protection*, Auto/Home with Farmers GroupSelect^SM, Travelers and Liberty Mutual and Pet Insurance with Nationwide - You are able to apply/enroll in these benefits at any time during the year.

*LifeLock with Norton Identity Theft Protection - you can enroll yourself and your family members, including spouse/domestic partner and children. Eligible dependents must live within the employee’s household, or be financially dependent on employee.