You are eligible for coverage if your Center sponsors the Plan and you meet the respective criteria for one of the following Employment Classifications. It is important to understand that benefits vary by Employment Classification. Only the Employment Classifications for full-time and part-time employees are eligible for Bridging or Retired coverage. All other Employment Classifications are not eligible to continue medical insurance after terminating employment from the Center. If you are uncertain as to what benefits you are eligible for, contact the Human Resource department at your Center for your designated Employment Classification.
*The Employment Classifications of short-term or very short-term employees, short-term consultants, visiting scientists, and trainees/students are not eligible for dental and vision benefits.
Your dependents are also eligible for medical plan coverage—including your spouse or domestic partner and your eligible children. An eligible child must:
If the domestic partner has a biological or adopted child from a previous relationship, these children are eligible for coverage as long as the Center employee remains in this domestic partnership. If the Center employee ends his or her relationship with the domestic partner, only children who are biologically related to or legally adopted by the Center employee will remain eligible for coverage.
A child attending a college or university away from home is considered to live at the same permanent address as the Center employee.
Please note that no one can be covered as both an employee and a dependent, and no child can be covered as a dependent of more than one employee. If the employee dies, his or her dependents can continue coverage by paying the required premium, until they are no longer eligible.
You should confirm the benefits that you are eligible for based on the Employment Classification designated by your Center. Your medical plan is based on whether your Center, on your behalf, is paying the U.S. premium rate, International–Europe premium rate, or International–Other premium rate. If your Center is paying a U.S. premium rate, you will be enrolled in the U.S. Plan. If your Center is paying the International–Europe premium rate or International–Other premium rate, you will be enrolled in the respective category (Europe or Other) of the International Plan.
To enroll yourself and your dependents, you are required to complete the IARC Insurance Plan Enrollment Form authorized by your Center. If a new participant does not submit a completed enrollment form within 25 days of his or her date of employment, the effective date for coverage will be deferred to the first day of the month following approval. In addition, the late enrollee may be subject to a $4,000 limit on the amount that the Plan will pay in the first year of coverage for pre-existing medical conditions. However, you can postpone enrollment without penalty if you have existing coverage under another medical plan at the time of your normal effective date.
Note: If you do not submit a completed IARC Insurance Plan Enrollment Form within 25 days of becoming eligible, the Plan will limit claims for preexisting medical conditions to $4,000 during the first 12 months in the Plan.
Coverage dates are determined by your Employment Classification. If you are classified as a full-time employee, a part-time employee or a long-term consultant, coverage is effective 5 days prior to your official start date of employment and ends 25 days after the day you terminate employment from your Center, unless you are eligible for and enroll in either bridging or retiree coverage.
If you are classified as a short-term employee, short-term consultant, visiting scientist, trainee/student or very short-term employee, your coverage is effective on the official first day of employment and ends on the day you terminate from the Center.
The effective start and end dates of coverage for your eligible dependents are the same as your effective start and end dates of coverage.
If you acquire a new dependent who meets the Plan’s eligibility rules you have 25 days to enroll the new dependent without penalty by completing the IARC Insurance Plan Change Form.
If you wish to end coverage for a dependent in the medical plan, you have 25 days to notify your Center and AIARC by completing and submitting the IARC Insurance Plan Change Form.
If a new participant does not submit a completed IARC Insurance Plan Enrollment Form within 25 days of becoming eligible, the Plan will limit claims for preexisting medical conditions to $4,000 during the first 12 months in the Plan.
If you are a full-time employee, part-time employee, or long-term consultant, coverage for you and your current dependents starts five days before your official employment start date. For short-term employees, consultants, visiting scientists, trainees, or very short-term employees, coverage starts on your official employment date. Your dependents’ coverage will start at the same time as yours.
You have 25 days to enroll a new dependent without penalty if you experience a qualified life event:
Note: All enrollment and change forms must be approved by your Center and sent to AIARC within the 25-day notification period. To update your coverage for a qualifying life event, you must provide supporting documentation, such as a birth or marriage certificate, to prove your dependent’s eligibility.
If you miss the 25-day deadline for enrollment, coverage will start the next month after approval, with a $4,000 limit on pre-existing conditions for the first year. (No penalty for delaying if you have other coverage.)
If you are a full-time employee, part-time employee, or long-term consultant, your Plan benefits and those of your eligible dependents will end 25 days after your employment ends with the Center. For other Employment Classifications, coverage ends on the day you terminate employment from the Center.
AIARC reserves the right to modify or terminate any of the benefits described at any time for any reason. Please note that AIARC is not your employer and nothing contained in this website should be construed to create an employer-employee relationship. Your Center is your employer.
AIARC
901 N. Washington St., Suite 706
Alexandria, VA 22314-1535
United States
Phone +1-703-548-4540
Fax +1-703-548-5960
Office hours are from 8:30 a.m. to 5:30 p.m. (0830 to 1730 U.S. Eastern Time), Monday through Friday
If you have questions about your benefits, please contact the AIARC Coordinator for your Center by visiting www.AIARC.org.
