Plan Rules & How to enroll a group.
Employer groups must have two or more full-time employees
The employer must contribute a minimum of 50% of the employee premium.
75% of the eligible employees must participate, 100% must participate if the employer contribution
is 100% of the employee premium. Employees covered by a spouse's group plan
or a union plan
do not have to participate.
We have a large variety of plans available. As long as we have 75% of
eligible employees enrolling, any size group can offer a base plan and a buy-up plan if
they wish. Contribution will be based upon the lower cost plan. The
group may mix and match plans to suit their needs.
For example: a group
may wish to offer the PPO Classic 1500 plan as their base plan and allow
employees to buy-up to the Premier 1500 plan.
The VSP C $5 copay plan must have a minimum of 2 enrolling to
are selected by the group.
If the group selects to have
Orthodontia and/or the D&P maximum waiver, they must have the
orthodontia and/or D&P maximum waiver option on
all plans being offered and
all members must have the
following plans do not offer Orthodontia: PPO Classic 1000 and
Premier Plan IV.
The following plans do not offer the D &
P maxumum waiver: Premier Plan II, III, IV and the PPO Classic 1000.
All employees of the employer who are performing active work on a
full time basis (20 hours a week or over) are eligible for benefits including corporate
officers, owners, or partners.
All eligible dependents
can enroll on the
original effective date.
Dependents can also be added for a
later effective date if they are newly eligible or as part of an open enrollment
Eligible dependents include legal spouse
or domestic partner and children to age 26.
The employer is responsible to report any changes to a
dependents eligibility to Wolfpack Insurance Services, Inc.
Newborn children do not need to enroll until just before the first
appointment, usually before age 4.
are defined as same-sex and opposite-sex
couples registered with any government agency authorizing such registrations.
Your domestic partner is subject to the same terms and conditions as any other
Dependent enrolled in this plan.
Any employee who waived off the plan at
initial enrollment may elect coverage on the anniversary date of the groups
enrollment. We can also set the Open Enrollment date to be the same as the
renewal date (see below) or the Open Enrollment date of their group health plan.
Please contact us if you wish to make this change.
Any dependent who did not elect coverage when the plan was established may elect
coverage on the Open Enrollment date.
If an employee who had coverage through their spouse looses that coverage, they may be added the first
of the month after the loss of the other coverage.
When a firm joins the Plan, the coverage of its current employees
will be effective on the first day of the month following approval of the firms
application to participate. Additions to your plan will be effective the first of
the month after the elected probationary period from their date of hire.
Groups that enroll from January 1st through June 1st renew
on January 1st.
Groups that enroll from July 1st through December 1st renew
on July 1st.
How to Enroll a
- Complete the
a copy of the latest payroll report.
establish the relationship between others (owners or partners) not shown on the payroll,
please click here to download a form
If the group
is enrolling in a dental plan and has less than 10 enrolling,
submit proof of prior dental coverage.
(See below regarding the Major and/or
Orthodontia waiting period)
Send to Wolfpack Insurance Services, Inc.
using one of the following methods:
Mail to: PO Box
156, Belmont CA 94002. Or: 425 Harbor Blvd, Suite 2C
Belmont CA 94070.
Fax to: 650-591-4022
Upon approval of the application, the agent and client will each
receive a letter confirming coverage. We will send the Wallet
Cards as directed by the Trust Group Enrollment form.
Billings will be sent directly to the employer
on or about the 8th of the month. Each months
remittance is due on the 25th day of the prior month and will become delinquent if not
received by the 1st of the coverage month. Please make checks payable to Small
Business Benefit Plan Trust or Wolfpack Insurance
Can the Delta Dental waiting period for Major
Services and/or Orthodontia be waived?
For groups of less than 10 enrolled
members Delta Dental applies a 12 month waiting period for Major
Services. If the group has the optional Orthodontic Benefit a 12
month waiting period also applies to the Orthodontic services.
We can waive these waiting periods with proof of continuous
prior group coverage for the past 12 months. For the Orthodontic
benefit waiting period to be waived the proof must also show that
Orthodontia was a covered benefit with the prior coverage. Mandated
pediatric coverage under the medical plan does not count towards
waiving the dental waiting periods.
must be submitted with the enrollment form and will not be accepted
at a later date.
additions after the groups original effective date proof can consist
of a Creditable Coverage form from the prior carrier or an internet
screen print-out from the prior carrier showing the dates of
coverage and benefits.
Retroactive Member Termination
Member terminations must be
received by the 14th of the month to be terminated retroactive to
the first of the previous month.
Group termination information must be
received by the 14th of the month to be terminated retroactive to
the first of the current month.
Cal-COBRA groups will give us the
members address upon termination of coverage and we will generate the Cal-COBRA
election form and invoice the member directly for the coverage.
groups will need to issue a COBRA form upon the qualifying
Please follow this link to view and download model notices
provided by the Department of Labor.
COBRA Continuation Coverage | U.S. Department of Labor (dol.gov)
When the member elects COBRA, pease use the
Add Employee and/or Dependents to the plan form to re-add
the member on to your plan. Members who extend coverage under Federal COBRA will be invoiced with the
group and the individual premium collection is done by the group.
Please follow this link for a definition of Federal COBRA vs. Cal-COBRA and
to notify us which COBRA regulations apply to your group.
Wolfpack Insurance Services, Small Business
Benefit Plan Trust and
We are Wolfpack Insurance Services, Inc. CA DOI
License number 0814789, registered administrator.
site address is
We have established a small business group pool called the Small
Business Benefit Plan Trust.
The Trust is fully insured as a group by
Delta Dental and Vision Service Plan.