| QLEs

Changes

Qualifying Life Events

Qualifying Life Events (QLE) allow you to make changes within the year as long as you make the change and provide the required supporting documentation within the required timeframe. If you experience one of the events below, please notify us of the change using the button below within 31 days of the event. If you miss this deadline, you may have to wait until the next Benefits Open Enrollment period to make changes.

Report Life Event

Spouses

Getting married, legally separated, or divorced is a QLE that qualifies you to make changes to your benefits.

Dependents

If you and/or your dependent are enrolled in a non-Now Optics plan and lose that coverage, you’re eligible for a QLE.

Children

Giving birth to or adopting a child or obtaining legal custody of a child qualifies as a QLE.

A Summary of Benefits and Coverage (SBC) has been designed to assist you with better understanding the coverage being offered to you, and to allow you to compare coverage options. The SBC is available on www.nowopticsbenefits.com. A paper copy is also available, free of charge, by calling 877-958-7785.

Now Optics permits insurers to offer employees of Now Optics certain voluntary insurance programs. Whether you choose to enroll in any of these programs is completely optional and voluntary. Now Optics does not make a contribution towards the cost of these programs and employees pay the full cost of premiums on an after-tax basis. Now Optics does not sponsor, maintain, endorse, recommend, or promote these voluntary programs. Now Optics'S involvement regarding these voluntary insurance programs is strictly limited to allowing the insurer access to employees to publicize these programs and Now Optics may perform certain ministerial functions such as payroll deduction and forwarding employee premium payments to the insurer. Now Optics does not receive any consideration in the form of cash or otherwise in connection with the program, other than reasonable compensation, excluding any profit, for administrative services actually rendered in connection with payroll deductions. Accordingly, these voluntary insurance programs are not subject to ERISA and related regulations. All questions or claims regarding these programs should be directed to the insurer.

All benefit plans are governed by master policies, contracts, and plan documents. In the event of any inconsistency between the information contained herein and the applicable plan documents, the provisions of the plan documents shall prevail. Now Optics reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at any time. The authority to make such changes rests with the Plan Administrator.