New full time and new full time seasonal employees are eligible for coverage on the Company group health plan on the first day of the month following 30 days of employment. However, coverage is NOT automatic. This plan will be effective on the first day of the month following receipt (in the Brooklyn office) of the employee's enrollment form or application. Each employee has a 120-day window to sign up. Remember, the date on the enrollment form or application determines when your effective date is. The first of the month following ninety (90) days of employment, the Company will pay 80% of the monthly group insurance premium. The Company share will be paid during the layoff period after working two (2) construction seasons.  In order for a new hire’s first season to count as a full year, they must have a hire date prior to September 1^st.  Therefore, a new hire that starts before September 1^st will pay 100% of the premium for only one (1), or the first winter layoff period.  Any employee who quits and is rehired will have the same waiting period as a new employee. 

Returning full-time seasonal employees, who previously waived coverage under this Plan, may enroll for coverage following their rehire date. However, application for coverage must be made within the 30 day period. (For further information on this item, please see the Manatt's Inc. Group Health Benefit book.) Certain waiting periods and pre-existing conditional clauses may apply. *See below for FIRST ADMINISTRATORS conditions.

Employees may choose to have extra deductions made to cover their share of the group health insurance premium cost for the layoff season or slow periods.  New employees who enroll in Manatt’s Group Health Plan as soon as they are eligible, may sign up for the Cafeteria Plan for PREMIUM ONLY.  Returning full time and full time seasonal employees must sign up by January 1^st each year.  This allows them to pay their share of the health premium with pre-tax dollars.

In order for an employee to remain eligible for the Company’s share of the premium, they must be a current full time or full time seasonal employee.  The maximum months covered during a layoff will be six (6) months.

Employees who are included in their spouse’s group health insurance plan may be eligible for a contribution by Manatt’s into the Cafeteria Plan.  See CAFETERIA-FLEXIBLE BENEFITS PROGRAM.

 *  Following are the conditions of our FIRST ADMINISTRATORS group plan:

• Effective April 1, 1998, and thereafter, new employees and late entrants will have a waiting period for pre-existing, existing conditions and obstetrical care as defined below.

• With a Certificate of Creditable coverage (month for month), pre-existing conditions could be eliminated.

 Waiting period for pre-existing and existing conditions

Until this and prior Agreement(s) issued by The Plans have been in force for nine (9) consecutive months, The Plans will not pay for:

1. Any illness, injury or other condition existing on the effective date of this Agreement or which progressed or developed from or was a complication of or secondary to any illness, injury or other condition existing on such effective date; or

2. Any illness, injury or other condition for which medical or surgical treatment or advice was rendered within six (6) months prior to such effective date.

For more information on the group health plan, please check your insurance manual, or call Frank Heinen, or Diane Kilmer at the Brooklyn office.