• If you are a new employee or newly eligible, your benefits coverage begins on the first of the month following 30 days after your date of hire or newly eligible date, unless you are hired on the first of the month. In that case, benefits are effective that day. For example, if you start work or become benefits eligible on February 12, your benefits begin April 1. If your date of hire is February 1, your benefits begin February 1.  
• For benefits selected during the annual enrollment period, coverage begins January 1 of the following year.
• For benefits requiring evidence of insurability, coverage begins the beginning of the month following carrier approval of your application.