Mosaic offers a variety of benefit programs as part of our total compensation package. As an employee, you have the option to select from different plan options allowing you to create an individualized benefits package to meet the needs of you and your eligible dependents.
Mosaic subsidizes the cost of medical and dental coverage, and most plan participants pay employee costs for medical, dental, and vision and Flexible Spending Account (FSA) coverage on a pre-tax basis. Employees in the Consumer Plan (formerly Consumer-Directed Health Plan) who have a Health Savings Account (HSA) can make pre-tax contributions.
All employees regularly working an average of at least 30 hours per week are eligible for benefits. Eligibility for all health benefits, flexible spending plans, and life and disability insurance begins on the first of the month following date of hire.
Please note: Certain coverage(s) for disability and/or life insurance require you to enroll as a new hire or be subject to medical underwriting, or evidence of insurability (EOI). Although you may make changes to your disability and/or life plans during enrollment, approval of EOI for the life plans is not guaranteed if you waive coverage as a new hire. If you do not enroll as a new hire in these benefits, it is possible your coverage may be denied if you apply at a later date. Please consider your benefit options carefully before waiving coverage for these benefits.
Mosaic offers medical, dental, vision, and life and accidental death and dismemberment insurance coverage for your lawful spouse, domestic partner, and/or eligible dependent(s). In order to qualify for coverage, your dependent(s) must meet the eligibility criteria defined under the Plan. Mosaic requires valid documentation (a Birth Certificate for Dependent Children, a Marriage Certificate for Spouses, or a Domestic Partner Affidavit) to establish relations to your eligible dependent(s). Mosaic reserves the right to audit dependents who are enrolled in the program. Those found ineligible will be removed from the Plan immediately and the employee may be responsible for all costs and subject to disciplinary action up to and including termination due to falsification of company records.
The following dependents are eligible to participate in Mosaic’s medical, dental, and vision benefits:
- Your lawful spouse
- Your domestic partner (see below for eligibility details)
- Your natural child
- Your stepchild, meaning your spouse’s or domestic partner’s natural child
- A child for whom you, your spouse, or domestic partner is a court-appointed legal guardian
- Your adopted child or child placed with you, your spouse, or domestic partner for adoption
- A child 26 or more years old and primarily supported by you and incapable of self-sustaining employment by reason of mental or physical disability which arose while the child was covered under the plan. Proof must be submitted within 30 days of the date the child turns 26
- A child must be a citizen of the United States, a national of the United States, or a resident of the United States, Canada, or Mexico to be eligible for medical, dental, vision, and FSA
To be eligible, a child must be younger than 26 years old; however, a qualifying child does NOT need to be:
- A student
- Single
- Living with you
Dependent coverage does not apply to:
- Grandchildren (unless you or your spouse/domestic partner is a court-appointed legal guardian and the child is financially dependent on you for support)
- Your child’s spouse or their children
- Extended family members (aunts, uncles, parents, nieces, nephews, etc.)
Important Note:
If both you and your spouse/domestic partner work for Mosaic, one of you can choose no coverage and the other can cover both of you. Or, each of you can elect separate coverage. You or your dependents cannot be covered twice under any Mosaic plan.
Coverage for Domestic Partners
Mosaic offers benefits to same- and opposite-sex domestic partners and their qualifying dependents.
To qualify, a domestic partner must be:
- Your sole and exclusive partner in a long-term, committed relationship (this includes an individual who is in a civil union with you, or an individual registered to be in a domestic partnership with you), and;
- Living with you and sharing your permanent address continuously for 12 months, and;
- Unrelated to you (for example, by blood or marriage) in a way that would prohibit a legal marriage in the state where you live, and;
- Financially interdependent with you in at least three or more verifiable ways, and;
- You and your domestic partner are both 18 years of age or older and are competent to enter into a contract, and;
- Neither you nor your partner is married to, in a civil union with, or a domestic partner of another person, or;
- You have registered as domestic partners pursuant to a domestic partnership ordinance or law of a state or local government same-sex civil union.
Eligible dependents of your domestic partner include:
- Your partner’s natural child under age 26
- Your partner’s adopted child or child placed with your partner for adoption who is under age 26
- A child under age 26 for whom your partner is a legal court-appointed guardian
Important Note: If you are in a same-sex marriage, please ensure your spouse is labeled as “Spouse” in Workday (not as “Domestic Partner”) to ensure appropriate taxation. If you are not married to your same-sex partner, the dependent should be labeled as “Domestic Partner” in Workday.
Effect on taxable income
Under current law, if you enroll a domestic partner and/or their dependents that are not your dependents for tax purposes, the value of that person’s coverage is taxable to you and thereby treated as income — otherwise known as imputed income. This means the full cost of benefits coverage for that person, less the amount of your after-tax contribution toward the cost of the person’s coverage, is added to your income and subject to ordinary federal, FICA, state, local, and any other applicable payroll taxes. This additional taxable income will not be included when calculating other benefits.