Provisions for Continuation of Coverage

Continuation of Insurance Eligibility (CIE)
Continuation of Insurance Eligibility is available to all terminating employees who are pursuing other Southern Baptist denominational employment.

• Eligible products: medical, dental and life coverage
• Maximum duration: 12 months while they are seeking other SBC employment.
• Effective date: CIE becomes effective the day after the last date of employment.
• Required documentation: Form must be returned within 31 days of the termination date. 
• Group Plans CIE request form 
• Personal Plans CIE request form

Note: A participant can only add a dependent to coverage while on CIE in the case of a newborn, adoption or newlywed spouse (normal underwriting rules still apply).

Medical Continuation Provision (MCP) 
MCP allows participants and/or dependents who lose eligibility to continue some of their coverage. 

• Eligible products: medical and dental coverage only
• Maximum duration:
• 18 months for employees leaving SBC employment or reducing hours from full-time to part-time
• 36 months for dependents that lose eligibility due to age, marriage (children) or divorce (spouse)
• Effective date: CIE becomes effective the day after the last date of employment.
• Required documentation: Form must be returned within 31 days of the termination date. 
• Group Plans Request for Medical Continuation — This option must be selected in your Group Plans contract.  If you do not currently offer the Medical Continuation Provision and you would like more information about it, please contact your GuideStone Account Administrator.
• Personal Plans Request for Medical Continuation — This option is available to all Personal Plans participants, the same form is used for CIE and MCP in Personal Plans

Note: While on the MCP, an employee may add a newborn or an adopted child within 60 days after birth, adoption or placement in the home for adoption. If the employee gets married, he/she may add his/her new spouse and any new eligible dependents to the MCP coverage through underwriting, provided GuideStone is contacted within 31 days of the event. 

Conversion
Conversion is available to terminating employees who wish to continue their life coverage. An employee must apply for individual life insurance under this life conversion privilege and pay the first premium within 31 days after the date employment terminates and is no longer eligible to participate in the coverage through the employer. The employee’s new life coverage will be a Private Whole Life Policy with Unum. Underwriting is not required.