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Eligibility & Enrollment Guidelines

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New Employee Enrollment

Open Enrollment
An open enrollment period may be selected. Open enrollment allows for benefits-eligible employees and dependents to enroll and make changes to specific benefit plan selections. Open enrollment typically refers to the 31-day period preceding the plan’s anniversary date. It may also refer to the 31-day period after the initial eligibility date for coverage. Please refer to your Certificate of Insurance or Group Policy for more details.

Types of Enrollments
There are three types of enrollment: New Employee (Timely) Enrollment, Special Enrollment and Late Enrollment. PLEASE NOTE: In addition to completed enrollment information, the following is required for HRA and HSA plans at the time of enrollment;
  • Employees who elect an HRA group plan must furnish a completed Coordination of Benefits Form.
  • Employees who select an HSA group plan may need to complete additional bank custodian forms.
New Employee (Timely) Enrollment
Currently there are two ways to enroll your new members:
  • Express, Trustmark’s Benefit Administration Self Service Center
  • Manually
Procedure for Express Enrollment of New Employees
  1. Access Express and click on the Add Member menu option from your main menu. Complete the required fields by adding your employee’s basic census data. You or a Trustmark User must add this key data prior to a new employee being able to enroll in benefits.
  2. Inform your employee that he or she may now access Express and make their initial benefit selections. If you prefer, you may access the Member Menu option and make the benefit elections on behalf of your employee.
Procedure for Enrolling New Employees Manually:
  1. Each new employee must complete, sign and date an Enrollment form. The form must be fully completed. If this form is not completed properly, the enrollment process will be delayed.
      Note: If the employee selects dependent coverage, dependent coverage must be selected on the form, along with all required information. If the employee waives coverage for himself or herself, or a dependent, the reason why must be indicated on the form. (Coverage can only be waived if the employee pays part of or the entire premium.)
  2. Review the form for accuracy and completeness and mail the copy (ies) to:
      Attn: Group Premium Department
      Trustmark Group Insurance
      P.O. Box 7904
      Lake Forest, IL 60045-7904
  3. Keep a copy with your group insurance records.
Special attention should be given to the following Sections of the Enrollment form:

Enrolling Dependents
Employees can provide coverage for their dependents at the time of initial enrollment through the Express System or by providing the appropriate information on the Enrollment form. If a dependent has a different last name from the member, a Verification of Dependent Eligibility form must also be submitted.

See the Verification of Dependent Eligibility section on how to enroll dependents.

Waiving Coverage
If an employee waives coverage for himself or herself, or a dependent, the reason why must be indicated during initial enrollment through the Express System or on the Enrollment form.

Please note: Non-contributory coverage may not be waived.

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