2015 E-Information and Action GuideClick to go to BenefitAnswers Plus web site
Flexible Spending Accounts

What Is Default Coverage?

Your default coverage is the Alcatel-Lucent health and welfare benefits coverage you and your covered dependent(s) will be automatically enrolled in for 2015 if you do not take any action during the annual open enrollment period. Because your default coverage for 2015 may in some cases be different than your 2014 coverage, it is your responsibility to confirm that your 2015 default coverage shown on the YBR website during the annual open enrollment period is the coverage that you want for 2015.

You can find your default coverage on the YBR website. This information is available to view on the YBR website from Monday, September 22, 2014 at 9:00 a.m., ET, through Friday, October 17, 2014 at 5:00 p.m., ET, when the annual open enrollment period ends.

Do You Need to Take Action?

You may already be enrolled in the right coverage for yourself and your family and may not need to take any action during the annual open enrollment period. However, you will need to take action to:

  • Choose coverage other than your default coverage;
  • Add2or remove dependent(s) from coverage; and/or
  • Make any other changes to your 2015 health and welfare benefits coverage, such as making a contribution election for your HFSA and/or DFSA, if eligible.

If you do not take action during the annual open enrollment period, you will receive the default coverage shown on the YBR website during the annual open enrollment period.

2Make sure your dependents are eligible under Alcatel-Lucent’s eligibility rules before you add them to your coverage. You can view eligibility rules on the YBR website or the BenefitAnswers Plus website. You will be asked to verify the eligibility of the dependent(s) you enroll for coverage.

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1Includes active employees; participants on a leave of absence (LOA), Short Term Disability (STD), Long Term Disability (LTD) or workers’ compensation; COBRA participants; and survivors in the Family Security Program (FSP).