Employer Requirements for Optional Benefits
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FDH Access 100 (no cost) Dental plan
Employer may not offer another dental plan to their Employees outside of the California
Optional Dental (plan 1000, 3000, 3500, 4000 and/or 5000):
Employer is required to meet the following participation requirements:
1-2 Employees: 100% of all employees. All groups must include at least one dental enrolled employee who is not a business owner or spouse of business owner.
3-100 Employees: 70% of eligible employees enrolling in California
Orthodontia added to a plan requires a minimum of 5 eligible employees.
Employees electing plan 4000 or 5000 are subject to a 12-month waiting period for major services and 24 months for Orthodontic benefits (if elected).
Groups with 10 or more eligible employees may reduce or eliminate the waiting period by submitting proof of comparable dental coverage (to include Orthodontic coverage, if elected). Acceptable forms of proof include prior dental billing statements and a certificate booklet.
Employee Life Insurance
Employer is required to pay 100% of the employee's premium.
All eligible employees must enroll in life insurance coverage.
Should you have any questions, please contact our underwriting department at