Hours worked for contributing employers by each employee will be credited to the individual's "reserve account". 125 hours of work credit will be deducted from each eligible employee's "reserve account" for each month of insurance coverage, and employees will continue to remain eligible as long as their reserve accounts contain at least 125 hours of work credit. Employees will be allowed to accumulate excess hours in their reserve accounts up to a maximum of 1250 hours.
Note: Each eligible employee is responsible for knowing what his/her reserve account balance is at any time. Please contact us to verify eligibility before incurring any expenses.
A pre-determination is a proposed course of treatment submitted to Ellement by your dentist or orthodontist (by your provider) to determine allowable procedures, the eligible amount payable...
If you become totally disabled due to a non-occupational injury or sickness you will receive a disability benefit, provided you are under the continual treatment of a qualified and licensed physician.​
