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3

Your Health and Welfare Benefits Plan

ACM offers a wide variety of benefits and gives you the opportunity to

customize a benefits package that meets your personal needs.

Benefit

Who pays the cost?

Medical Coverage which includes

Rx and Vision

You & ACM

Flexible Spending Account

You

Dental Coverage

You & ACM

Long Term Disability

ACM

Voluntary Life Insurance

You

Voluntary Critical Illness & Accident

Coverage (AFLAC)

You

Who is Eligible?

You are eligible to join Allegany College of Maryland’s plan if you are

a regular, full-time Employee, who is scheduled at least 30 hours Per

Pay Period.

You may also enroll your dependents in Allegany College of

Maryland’s Plan when you enroll. Eligible dependents include:

Your spouse, to whom you are legally married (who is neither

divorced nor legally separated; common-law and domestic

partners are excluded);

You or your Spouse's child who is under age 26, including a

natural child, stepchild, a legally adopted child, a child placed

for adoption or a child for whom you or your Spouse are the

legal guardian; or

An unmarried child age 26 or over who is or becomes disabled

and dependent upon you; or

A full-time student up to age 26.

To be eligible for coverage under the Plan, a dependent must reside

within the United States.

When Benefits Begin

Your benefits begin on the first day of the month following your initial

date of hire if you are full-time employee.

About Your Choices

Please read this booklet carefully before making any decisions. Once

you’ve read the booklet, review each area, one at a time, and consider

your options.

Once you have made your decisions complete your enrollment forms

and return to the Human Resource Department.

We sincerely value your commitment and contributions to the company

and hope you are able to make to most of your benefit opportunities.

Benefit Information

About Your Choices