Effective Date Calculator

Our Effective Date Calculator is a non-binding tool that shows when employee coverage starts under your group plan. Please enter information from your master contract, like your group's waiting period^*, to determine the coverage effective date.

* This tool only calculates effective dates based on waiting periods. It does not calculate other eligibility criteria.

1. Eligibility Option

Choose an effective date option based on your group agreement. See description for more information.

Please select one

Date of Employment
Coverage is effective the Date of Hire.
Day of the Month After Date of Employment
Coverage is effective the first Bill Cycle Day following the Date of Hire.
Day of the Month After Days of Employment
Coverage is effective the first Bill Cycle Day after being employed for a pre-determined number of days.
Days of Employment
Coverage is effective after being employed for a pre-determined number of days.
Day of the Month Following Months of Employment
Coverage is effective the first Bill Cycle Day after being employed for a pre-determined number of months.

2. Date of Hire

Date employee was hired.

3. Bill Cycle

Day of the month on which your bill is due.

4. Days of Employment

Refer to your group agreement for details.

5. Months of Employment

Number of months the employee must be employed before coverage can start.