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15-50 Employees: Dental Plans: Eligibility

Employer Eligibility Delta Dental is available to accounting firms in public practice. However, to be eligible to enroll you must:

  • Apply for coverage within 60 days of establishing a new firm or practice; or
  • Apply for coverage within 60 days of any of the firm's owners, shareholders, principals or partners becoming a member of CalCPA.

Firms that do not enroll during either of these 60-day periods will be eligible only during special Open Enrollment Periods. Employers must subscribe for a minimum of 12 months.

To be eligible and retain such eligibility, more than 50% of all the Employer's owners (i.e., principals, proprietors, partners, shareholders or other owners) must be CPAs or Associate members of CalCPA in good standing. If you are not a member of CalCPA, click here to see how you can join. All employers deemed to be part of an affiliated group under Internal Revenue Code Sections 414(b), (c), or (m) are considered to be a single employer.

Employee Eligibility Active, regular full-time employees working at least 20 hours per week are eligible for coverage.

Dependent Eligibility Eligible dependents include a lawful spouse, domestic partner, and unmarried children to age 19 (or to age 25 if a full-time student in an accredited school, college, or university).Eligible dependents include a lawful spouse, domestic partner, and unmarried children who have not attained their 19th birthday, or to their 25th birthday if attending school full-time and meet the Internal Revenue code meaning of a dependent. Additionally, unmarried, non-student dependents age 19 to 25, otherwise dependent on their parents may be covered at their own plan participant rate (rather than as part of a family rate). If an individual chooses to enroll dependents, all his or her eligible dependents must enroll.

Participation Requirements 100% of active, regular full-time employees working at least 20 hours per week must be covered. The firm must pay the full cost of employee coverage. Dependents may participate in the coverage provided at least 50% of the individuals at your firm who have eligible dependents enroll them. The cost of dependent coverage may be paid in full or in part by the employees, or paid by the firm.