Employees are eligible to begin insurance coverage on the first day of the month following their date of hire and upon submission of the applicable enrollment forms and payroll deduction of premiums. Premiums are paid one month in advance, so payroll deduction must occur prior to the effective date of coverage. For example, premiums for September coverage are deducted from the August paycheck. Premiums are deducted from the first two pay warrants received each month. No insurance deductions are made when a third paycheck is received during the same month.

Health and life insurance deductions may be "double deducted" to withdraw the full month's premium from the 2nd paycheck in a month. Double deductions are not available for supplemental insurance (e.g. dental, vision, disability, etc.) premiums. Enrollment forms for supplemental insurance must be received in time to enter payroll deduction for the first paycheck in the month prior to the desired effective date of coverage.