Health Benefits Summary for temporary employees

Legal Placement Services • Permanent and Temporary • Specialized Legal Staffing Services

Benefits Summary for Temporary EmployeesKey Features

  • Coverage for Pre-Existing Conditions
  • National PPO Network
  • Guaranteed Issue with no Medical Questions
  • First Dollar Coverage
  • No Deductibles, Co-pays, or Co-Insurance
  • No Defined Formulary for Prescription Drugs
  • Paid through Pre-Tax Deductions
  • Medical ID Card that is also a Debit Card

Ancillary Coverage

  • Short Term Disability Insurance
  • Dental Insurance
  • Life Insurance



Call 866-971-9715 to ask questions or enroll




How Can You Participate?

All full time temporary employees are eligible to enroll. Eligible dependents include spouses and unmarried children or stepchildren, under age 19. Full-time students at an accredited school and under the age of 23 are also eligible to participate.


How Are Premium Payments Made?

Premiums will be taken through weekly payroll deduction. If you miss a payroll deduction as a result of absence or lack of work, no benefits will be extended for the following period. However, if a claim is incurred during a period of time when premiums were missed, the missed premium will be subtracted from the pended claim, maintaining a continuity of coverage. If a claim is not incurred during the missed premium timeframe, missed premium does not need to be made up. However, if you miss 5 consecutive weeks of premium, coverage will be terminated and you will not be eligible to re-enroll until the next open enrollment period unless you experience a qualifying event.

What Happens if the Provider Charges More Than The Scheduled Benefit?

If the provider charges more than the scheduled benefit, the covered person must pay the provider the difference.

What Happens if the Provider Charges Less Than the Scheduled Benefit?

The insurance company pays the insured the difference between the amount billed and the scheduled benefit.

What Is An Indemnity Benefit?

It means that the insurance company will pay a set amount each time the insured receives a covered service. The same amount is paid regardless of the fees charged by the provider.

When Does Coverage Begin?

Coverage for you and your eligible dependents begins on the first Monday following your first payroll deduction (unless dependent coverage is added at a later time). However, if any dependents are totally disabled on the usual effective date, their coverage will be deferred until they cease to be disabled.

When Will My Coverage End?

Your coverage will end when you no longer qualify under the plan or when your premium payments are five weeks behind, whichever comes first. Coverage on dependents ends on either the date they no longer meet the definition of a dependent or, the date your coverage terminates, whichever comes first.

Can I Sign Up For Coverage At Any Time?

No. You must sign up for coverage in the first 30 days of your date of hire. Your coverage will begin the first Monday following your first payroll deduction. If you do not elect coverage in the first 30 days, you will not be able to enroll until the next open enrollment period unless you experience a qualifying event.

Can I Cancel Coverage At Any Time?

Yes. However, you will not be able to enroll until the next open enrollment unless you have another qualifying event.

When can I expect to receive the Member Kit with the ID cards?

The medical and Rx member kit will typically be mailed to you approximately 7-10 business days after your first payroll deduction. Please allow three weeks for this kit to arrive in your mailbox. The dental member kit is mailed separately.



Carolina Legal Associates
provides you with a cost
effective means of
responding to your
immediate staffing needs.

Contact Us Today!

Carolina Legal Associates

1330 Lady St., Suite 503
Columbia, SC 29201
Phone: 803-799-8835
Fax: 803-799-8870
Toll Free: 888-799-8835

950 Houston Northcutt Blvd., Suite 101
Mt. Pleasant, SC 29464
Phone: 843-881-1832

E-Mail: Marsha Silver, President
E-Mail: Terry Kelley, Vice President