Effective Dates, Approval Dates, and Catch-Up Deductions

Start dates for deductions depend on the effective date for coverage. Deductions can't begin until after the effective date for a new individual or group insurance application.

• If an application is completed and approved before the effective date, deductions will begin on the effective date.

• If an application is completed after the effective date, deductions will begin before the application is approved to avoid catch-up deductions.

Payroll deductions will begin on the first check date on or after the effective date of the benefit.