Most U.S. dollar payroll regular employees of Exxon Mobil Corporation and participating affiliates are eligible for this Plan.
Generally, you are eligible if:
- You are a regular employee.
- You are an extended part-time employee.
- You are a trainee as described in the Key Terms section.
- You are a retiree.
- You are a survivor/surviving spouse, which means an eligible family member of a deceased regular or extended part-time employee or retiree.
Eligible family members
Eligible family members are generally your:
- A child who is described in any one of the following paragraphs (1) through (3):
1. has not reached the end of the month during which age 26 is attained, or
2. is totally and continuously disabled and incapable of self-sustaining employment by reason of mental or physical disability, provided the child:
a) meets the Internal Revenue Service's definition of a dependent, and
b) was covered as an eligible family member under this Plan immediately prior to age 26 when the child's eligibility would have otherwise ceased, and
c) met the clinical definition of totally and continuously disabled before age 26 and continues to meet the clinical definition through subsequent periodic reassessment reviews, or
3. is recognized under a qualified medical child support order as having a right to coverage under this Plan.
A child aged 26 or over who was disabled but who no longer meets the requirements of paragraph two (2) above, ceases to be an eligible family member 60 days following the date on which the applicable requirement is not met.
Please note: An eligible employee's parents are not eligible to be covered.
A person who becomes a retiree due to incapacity within the meaning of the ExxonMobil Disability Plan and who begins long-term disability benefits under that plan, but whose benefits stop because the person is no longer incapacitated is considered a suspended retiree and is not eligible for coverage until the earlier of the date the person:
- Reaches age 55, or
- Begins their benefit under the ExxonMobil Pension Plan at which time the person is again considered a retiree and may enroll.
The family members of a deceased suspended retiree will be eligible for coverage under this Plan only after the occurrence of the earlier of the following:
- The date the suspended retiree would have attained age 55, or
- The date a survivor begins receiving a benefit due to the suspended retiree's accrued benefit from the ExxonMobil Pension Plan.
Special eligibility rules
A person who otherwise is not a spouse but who, as a dependent of a former Mobil employee who participated in or received benefits under a Mobil-sponsored plan or program prior to March 1, 2000, is considered an eligible dependent as long as that person's eligibility for coverage as a dependent under a Mobil-sponsored plan would have continued.
Classes of coverage
You can choose coverage as an:
- Employee or retiree only,
- Employee or retiree and spouse,
- Employee or retiree and child(ren), or
- Employee or retiree and family.
There are also classes of coverage for extended part-time employees, surviving spouses and family members of deceased employees and retirees, and employees on certain types of leaves of absence.
For employees on an approved leaves of absence, their contribution rate will not change.
Each class of coverage has its own contribution rate. Employees contribute to the Plan through monthly deductions from their pay on a pre-tax or after-tax basis. Retirees and survivors receiving monthly benefit checks from ExxonMobil pay by deductions from these checks on an after-tax basis. Other retirees or survivors and participants with continuation coverage pay by check or monthly draft on their bank account.
No one can be covered more than once in the Plan. You and spouse family member cannot both enroll as employees (or retirees) and elect coverage for each other as eligible family members. If you and your spouse or adult child work for the company or are both retirees you may both be eligible for coverage. Each of you can be covered as an individual employee (or retiree), or one of you can be covered as the employee (or retiree) and the other can be an eligible family member. Also, if you and your spouse have children, each child can only be covered by one of you.
In addition, a marriage between two ExxonMobil employees does not allow enrollment or cancellation in any of the ExxonMobil health plans. In order to change your coverage you need to wait until you experience a change in status that allows coverage changes or annual enrollment.