At Clario, we appreciate your commitment and contributions to our company's success.
Each year, we strive to offer benefit plans to our employees that not only reward you for your hard work but offer you and your family comprehensive and affordable health and wellness protection. We are confident that you will find our 2025 benefit offerings to be of excellent value to you and your dependents.
In the following guide, you will find our benefit plans for 2025. Please read this digital benefits guide carefully as you prepare to make your elections for the upcoming plan year to ensure that you select the coverage that is right for you.
Plan Year
This plan year for Clario's benefit programs begin on January 1, 2025 and ends on December 31, 2025.
Eligibility
Regular full-time employees working 40 or more hours per week are eligible for company-offered benefit plans on the date of hire. Regular part-time employees working 30 or more hours per week are eligible for company-offered benefit plans on the date of hire.
For medical benefits only, you are also considered a full-time employee if you are a part-time or casual employee who works a weekly average of at least 30 hours during the following periods:
New Employees:
- The 12-month period beginning on your date of hire and ending on the last day of the twelfth month following (Initial Look-Back Measurement Period)
- If you are determined to have worked an averaged 30 hours or more a week, you will retain eligibility to the end of the plan year after 12 months has passed
Ongoing Employees:
- The 12-month period from January 1 through December 31 (Standard Look-Back Measurement Period)
- If you are determined to have worked an averaged 30 hours or more a week during this measurement period, you will retain eligibility for 12 months beginning January 1st of the following year.
Program Elements & Rules
Program Elements:
The benefits provided through the Clario Benefits Program are divided into two categories: 1. those in which you are automatically enrolled and 2. those in which you have the option of enrolling.
If you need the eligibility requirements, you will automatically be enrolled in the following benefits:
- Basic Life & Accidental Death & Dismemberment Insurance
- Short-Term Disability
- Long-Term Disability
In addition, you will be provided with access to the following benefits and programs. These benefits and programs are offered by Clario at no cost to you.
- Employee Assistance Program
- Tuition Reimbursement Program
- Paid Time Off
You can learn more about these benefits here. You are also given the option of enrolling in the following benefits. When you enroll in these optional benefits, you either share a portion of the cost with Clario:
Or, pay 100% of the benefit cost:
Changing your benefits?
Outside of open enrollment, you may be able to enroll or make changes to your benefit elections if you have a big change in your life, including:
- Change in legal marital status
- Change in number of dependents or dependent eligibility status
- Change in employment status that affects eligibility for you, your spouse, or dependent child(ren)
- Change in residence that affects access to network providers
- Change in your health coverage or your spouse’s coverage due to your spouse’s employment
- Change in an individual’s eligibility for Medicare or Medicaid
- Court order requiring coverage for your child
- “Special enrollment event” under the Health Insurance Portability and Accountability Act (HIPAA), including a new dependent by marriage, birth or adoption, or loss of coverage under another health insurance plan
- Event allowed under the Children’s Health Insurance Program (CHIP) Reauthorization Act (you have 60 days to request enrollment due to events allowed under CHIP).
You must submit your change within 31 days of the event (60 calendar days for changes related to Medicaid or CHIP eligibility) and provide proof of the event. Changes due to a "change of mind" are not allowed until the next annual enrollment period. For additional information, please contact Human Resources.
Who is eligible for benefits?
Benefit Eligibility
You and your eligible family members may participate in the 2025 employee benefits program if you are a regular employee meeting the below requirements.
- Full Time: Working 40 or more hours per week
- Part Time: Working 30 or more hours per week
Medical Benefits Only: You are also considered a full-time employee if you are a part-time or casual employee who works a weekly average of at least 30 hours during the following periods:
- New Employees The 12-month period beginning on your date of hire and ending on the last day of the 12th month following (Initial look-back measurement period).
- If you are determined to average 30 hours or more a week, you will retain eligibility to the end of the plan year
- Ongoing Employees: The 12-month period from January 1 through December 31 (standard look-back measurement period).
- If you are determined to average 30 hours or more a week during this measurement period, you will retain eligibility for 12 months beginning January 1st of the following year.
Dependent Eligibility
You can enroll the following dependents in our group benefit plans:
- Your same or opposite sex legal spouse , domestic partner, or civil union partner
- Children up to age 26*
- A child under the age of 26 who is your natural child, stepchild, legally adopted child, or child for whom you have obtained legal guardianship
- Unmarried children of any age if totally disabled and claimed as a dependent on your federal income tax return (documentation of handicapped status must be provided)
New-Hire Eligibility
New hires can join the plan on the date of hire. Spouses and dependent children of the employee are also eligible to participate in our benefit plans for all employees
When can you enroll?
You can enroll in benefits as a new hire or during the annual open enrollment period. New hire coverage begins on the first of the month following date of hire as long as you enroll within 30 days of becoming eligible.
If you miss the enrollment deadline, you'll need to wait until the next open enrollment (the one time each year that you can make changes to your benefits for any reason).
Program Elements
The benefits provided through Clario Benefits Program are divided into two categories: 1) those in which you are automatically enrolled and 2) those in which you have the option of enrolling
If you meet the eligibility requirements, you will automatically be enrolled in the following benefits:
- Basic Life & Accidental Death & Dismemberment
- Short-Term Disability
- Long-Term Disability
In addition, you will be provided with access to the following benefits programs. These benefits and programs are offered by Clario at no cost to you:
- Employee Assistance Program
- Tuition Reimburse Program
- Paid Time Off
You are also given the option of enrolling in the following benefits. When you enroll in these optional benefits, you will share a portion of the cost with Clario:
- Medical/Prescription Drug
- Dental
- Vision
Or pay 100% of the benefit cost:
- Supplemental Life Insurance
- Accident / Critical Illness / Hospital Indemnity
- Identity Theft Protection / Legal Services
- 401(k)
- Flexible Spending Accounts
- Pet Insurance
- Transportation Benefit
Domestic Partnership:
You and your partner must meet specific criteria to qualify for domestic partner coverage. In general, employee premium contributions for domestic partners must be deducted from your pay on a post-tax basis. In addition, any premium contribution made by Clario on behalf of your domestic partner are considered taxable income to you.
Please contact Human Resources for more information. Common documents you can provide to show proof of Domestic Partnership consist of:
- Joint mortgages / leases on homes
- Joint ownership of automobiles
- Joint bank accounts
- Will / Life policy designating the partner as the primary beneficiary
