Benefits Eligibility

Understand who's eligible for Ingram benefits, how to verify your dependents, and what to know about covering family members.

Explore

Who Is Eligible for Ingram Benefits?

You

  • A regular, full-time associate or auxiliary, part-time associate (20+ hours per week or 100 days per year)
  • Newly hired associates: See the New Hires page for eligibility, coverage, and enrollment details.
  • Current associates: During Open Enrollment, any changes to your current coverage will become effective on January 1 of the following year. If you're not actively at work on the day your coverage is scheduled to begin, some of your newly elected coverages may be limited until you return to work.

Your Dependents

Medical, Prescription, Dental, and Vision

  • Lawful spouse (unless legally separated) or domestic partner
  • Children under age 26 and those of your spouse or domestic partner, including stepchildren or adopted children for whom the final court order has been secured, or who have been placed in your home for adoption purposes
  • Children incapable of self-support due to a mental or physical disability that occurred before age 26
  • Children for whom the court has granted you full, legal custody or guardianship
  • Any child you have a legal obligation to provide health insurance coverage under a divorce decree or court order

Life Insurance

  • Your lawful spouse or domestic partner under age 74
  • Your children older than 14 days and under age 26

AD&D Insurance

  • Your lawful spouse or domestic partner

Please note:
Your child(ren)'s coverage will end on the final day of the month they turn 26 years old.

Verifying Dependent Eligibility

Before Ingram can enroll your dependents, you'll need to provide documentation to verify their eligibility.

  • View a full list of acceptable documentation.
  • Download the Domestic Partner Certification Form.

Important Notes

Important Notes for Covering Eligible Dependents
  • Your decision about dependent coverage can differ for different benefits. For example, you could choose medical coverage for yourself only (“Single coverage”) and choose dental coverage for every eligible person in your family (“Family coverage”).
  • If you and your spouse or domestic partner are both Ingram associates:
    • Only one of you may cover your dependent child(ren)
    • For a given benefit plan, you can choose “Single” coverage or be covered as a dependent by your spouse or domestic partner, but not both.
  • If you or a dependent are confined in a hospital or elsewhere on the date coverage is scheduled to begin, coverages other than medical and prescription drug may be delayed until you or your dependent recover or are discharged from the confinement.
  • Partial guardianship (for example, medical or educational guardianship) is not considered full, legal custody and does not qualify the child for coverage.
  • If you get a divorce, the only Ingram coverage available to your ex-spouse is COBRA continuation coverage. You cannot keep your ex-spouse on your coverage.
  • Your child(ren)’s coverage will end on the final day of the month they turn 26 years old
Imputed Income for Domestic Partner Coverage

If you enroll a domestic partner or your partner’s child(ren) under your medical, dental, or vision plans, and that individual does not meet the IRS definition of a qualified tax dependent, the IRS considers the fair market value of the additional coverage as “imputed income.” Unlike health coverage for other family members, the value of the additional coverage is a taxable benefit. The imputed income increases your taxable gross income for purposes of federal income and FICA taxes (Social Security and Medicare). Federal and FICA taxes on imputed income are withheld from each paycheck.

Imputed income is separate from, and in addition to, your other benefit deductions. The amount of your imputed income depends on:

  • The plan(s) in which you’re enrolled
  • The level of coverage you elect

Imputed income is reported on your annual W-2 form.