• If your termination date is between the 1st and the 15th of the month: Your coverage will end on the 15th of the month and benefit premiums will be deducted on your mid-month pay.
• If your termination date is between the 16th and the last day of the month: Your coverage will end on the last day of the month and benefit premiums will be deducted on your end of month pay.

• You will have the option of continuing your medical, dental and/or vision coverage for up to 18 months through the Consolidated Omnibus Budget Reconciliation Act (COBRA). An enrollment package will be sent to you from the COBRA Administrator approximately three weeks after your employment ends.  2024 COBRA premiums can be found here.
• You may want to consider other health coverage alternatives that may be available to you through the Health Insurance Marketplace at www.healthcare.gov  or by calling 800-318-2596. You may be able to get coverage through the Health Insurance Marketplace that costs less than COBRA coverage.
• If you were covered under the TIH Medical Plan, you'll receive your Certificate of Group Health Coverage shortly after your termination date. You may need to furnish this certificate if you become eligible for coverage under another group medical plan.
• If you or your covered dependent is age 65 or older, you'll need to contact Social Security as soon as possible to enroll in Medicare Part A (if applicable) & Part B. If you are at least age 65, the Social Security Administration (SSA) will require a completed form confirming your active medical coverage to avoid penalties for late enrollment. You may call HR Central at 800-716-2455, option 1, to obtain this completed form.

If you currently have an HSA with an account balance, your HSA balance will be transferred to a McGriff HSA with new cards issued. There may be a short time during this transition to the new McGriff HSA that your consumer portal access may not be available but after the balance is set up on the McGriff HSA, new cards will be ordered and sent to the home mailing address that was on your previous HSA account. New username and passwords will also need to be set up to access your McGriff HSA to view your account information. 

• If you have a Health Care Flexible Spending Account or Dependent Care Flexible Spending Account, you may continue to use your account by electing COBRA coverage (PDF). If you elect to continue this account, you'll be making after-tax contributions. You aren't required to continue contributions to the account; however, if you don't continue contributions, only eligible expenses you incurred up to your last day of coverage will be eligible for reimbursement. 
• Claims incurred while you are an eligible participant must be submitted for reimbursement no later than March 31 of the year following your participation. Any funds remaining in your account after that date will be forfeited as dictated by IRS regulations.
• All questions regarding Flexible Spending Accounts should be directed to McGriff Employee Benefit Services at 800-930-2429.

• You may elect to convert or port your life insurance coverage to an individual policy without providing evidence of insurability. You must request an application to convert or port your coverage within 31 days from the date your employment ended. You may contact HR Central at 800-716-2455 for the application.

If you're enrolled in voluntary hospital indemnity plan, critical illness insurance, or accident insurance, you may continue your coverage by arranging a direct bill payment method with Unum. You may contact Unum at 800-635-5597. 

• If the value of your account is greater than $5,000, you may either leave your funds in the Plan or elect to receive a payment of your balance. You may also continue to invest in the self-directed brokerage account with Fidelity NetBenefits® . 
• If the value of your account is between $1,000 and $5,000, you must receive a distribution of your benefits. You must make an election as to whether you want the distribution paid directly to you or rolled over into an IRA, a Roth IRA, or another employer’s qualified plan. If you don't make an election the Plan will automatically rollover your vested benefit to an IRA with Millennium Trust. 
• Distributions must be requested on Fidelity NetBenefits® . You'll need to liquidate any funds invested in a self-directed brokerage account and transfer the proceeds back to the core funds in the Plan before requesting a distribution.
• If you choose to roll over your lump sum amount to another company plan or financial institution the check will be made payable to the named financial institution you designate; however, the distribution will be mailed to your home address.
• Distributions that are not rolled over—other than after-tax contributions—are subject to a mandatory 20% federal tax withholding and applicable state tax.
• If you terminate employment with an outstanding 401(k) loan balance, you'll be eligible to set up monthly recurring payments to continue paying on the loan or pay the loan in full. If payments are not being made or if the loan is not paid in full 30 days following termination, the outstanding loan balance will be treated as a distribution from the plan and reported to the IRS as a plan distribution at the end of the quarter following the quarter that you terminated. If you elect to take an immediate distribution of your account balance prior to paying off your outstanding loan in full, your loan balance will be treated as a distribution from the Plan and reported to the IRS as a plan distribution.
• If you have any other questions, contact Fidelity at 800-835-5095.

Earned but unused vacation will be paid at your regular salary in your final pay. You'll be responsible for repaying vacation taken but not yet earned.

• Go to Benefits.tihinsurance.com and click on Workday.
• Click on Workday Registration.
• Complete the Registration form. Make sure to remember the password you created. Once you submit your registration, it will be approved by Payroll Administration, then you'll receive your User ID.