You have the opportunity to enroll in or make changes to Lubrizol benefits when you first become eligible, experience a qualified family status change or other qualifying event and during annual enrollment for a January 1st effective date.
- When you are first eligible you have 30 days from your hire date to elect your Lubrizol benefits. The benefits you elect are effective from your hire date through the end of the plan year, unless you have a qualified family status change or other qualifying event. If you do not enroll for benefits within 30 days of your hire date, you will not have medical/Rx, dental or vision coverage during the current plan year; you will receive Long Term Disability coverage equal to 60% of eligible base pay; and you will receive basic life insurance coverage of two times your eligible pay.
- Family status changes and other qualifying events. You can make changes to your benefit elections during the year under other limited circumstances. For a full list of qualifying events review the Employee Benefits Resource Guide.
- Annual enrollment is your once-a-year opportunity to review your benefit choices and select your benefits for the coming year. You also have the opportunity to add or cancel dependent coverage and enroll in the Flexible Spending Accounts. If your family status changes you can make changes to your benefit elections during the year. For a full list of qualified family status changes review the Employee Benefits Resource Guide.
Prior to selecting or making changes to your elections, learn about the coverage available to you by reviewing benefit summaries, government required documents, educational presentations and much more.
The Essential Guide to your Benefits - Everything you need to know about the choices you need to make during your enrollment or in the event of a qualified family status change.
Employee Contributions - How much you pay toward the cost of your coverage. Contribution detail includes post-tax and imputed income calculations when a domestic partner is added to Lubrizol's coverage.
Comparison of Benefits - This side-by-side comparison of Lubrizol's medical, dental and vision coverages is a useful tool when determining what coverages will be best for you and your family.
Summary of Benefits and Coverage (SBC) Documents - This government required communication summarizes important information about Lubrizol's health coverage options, presented in a format intended to make it easier for you to compare options.
Medical and Prescription Summary Plan Descriptions (SPDs) - Details regarding eligibility, covered services, health support programs and prior authorization requirements are just a few of the topics covered, in detail, in the medical and prescription SPDs.
Employee Resource Guide and Summaries of Material Modifications - The Employee Resource Guide, most recently published in 2017, provides details about Lubrizol's health and welfare plans and other benefits such as the 401 (k) and tuition reimbursement. Summaries of Material Modifications are issued as needed with updates to the Resource Guide.
Eligibility Overview - Learn who is considered eligible to be enrolled in your Lubrizol group coverage.
Notice of Privacy Practices - This notice describes how medical information about you may be used and disclosed and how you can get access to this information.
Preventive Therapy Drug List (Generics Only) - Lists specific generic maintenance drugs covered at 100%.
Plan Comparison Tool - this interactive tool helps you better understand the cost differences between the available plan options.
Please explore the Resources page for additional information and documents regarding Lubrizol's benefit plans.
