Eligibility & Compliance

We believe in taking care of our employees and providing them with a comprehensive benefits package. We are proud to offer a wide range of benefits to our eligible employees, ensuring their well-being and peace of mind. In this section, you will find all the information you need regarding eligibility criteria and the enrollment process.

Aquisition employee length of service is based on their original date of hire with the legacy company.

Full-time employees are eligible to participate in all Gallagher benefits. A full-time employee is anyone regularly scheduled to work 30 or more hours per week and classified as full-time based on job classification. If you are a full-time employee, most benefits begin on your first day of employment. The following benefits require completion of an eligibility period:

• Short-Term Disability (three months of employment)
• Long-Term Disability (three months of employment)
• Paid Parental Leave (three months of employment)
• Vacation (three months of employment)
• Educational Assistance (six months of employment)
• 401(k) discretionary company match (one year of employment)

Note for acquisition employees: your original date of hire with your legacy organization may be used to calculate service for certain tenure-based benefit plan provisions.

Employees who are regularly scheduled to work less than 30 hours per week may be eligible for certain benefits*:

• Gallagher Thrive Wellbeing Program
• Resources for Work and Life Program (Includes EAP)
• 401(k) Savings & Thrift Plan (If age 21)**
• Employee Stock Purchase Plan (must be scheduled to work more than 20 hours a week and more than five months of the year)
• Commuter Benefits
• Auto/Home Discount Program
• Business Travel Accident insurance
• Prorated vacation based on work schedule

*Under the Affordable Care Act (ACA), employees are eligible for medical plan coverage if they work, on average, at least 30 hours per week on a regular basis
**Part-time employees must reach an initial 1,000 hours before becoming eligible for the 401(k) Savings & Thrift Plan.

For benefit purposes, your eligible dependents are defined below. For child age limits and other dependent eligibility details for each plan, see the Dependent Eligibility Chart for all plans.

• Your legal spouse
• Your domestic partner as defined in the Gallagher Domestic Partner Policy
• Your children, including:
  • Your naturally born children.
  • Your legally adopted child. An adopted child is considered a dependent from the moment the child is placed in the custody of the adoptive parents.

An individual who meets the criteria for domestic partnership as outlined in Gallagher’s Domestic Partner Policy can be considered a dependent for benefit coverage. Federal regulations require that Gallagher’s contributions for most domestic partners' medical/dental coverage be counted as taxable income to the employee unless your domestic partner qualifies as your tax dependent. If you indicate your domestic partner to be a tax dependent, then your contributions for their medical/dental, vision and voluntary AD&D coverage will be taken on a pre-tax basis. If this is not indicated, then the contributions will be taken on an after-tax basis

Review Gallagher’s Domestic Partner Policy for more information.

All our employee benefit plans are subject to various laws and regulations. For most benefits, these laws include certain responsibilities and regulations for both Gallagher as your employer, and you as the plan recipient. Here, you can find all the required disclosure notices for your benefits, taxpayer guidance on topics related to employee benefits, and information about government programs like Medicare, and more.

401(k)

Health Savings Account (HSA)

Flexible Spending Account (FSA) – Health Care

• $3,300

Flexible Spending Account (FSA) – Dependent Care

• $5,000

Commuter – Transit

• Monthly Limit – $325

Commuter – Parking

• Monthly Limit – $325

Eligible Dependent

• Dependent Eligibility Chart for All Plans
• Tax Dependent Status Definitions

Health Care FSA Limited-Use

If you enroll in one of Gallagher’s PPO + HSA medical plan options, you can only use your FSA for dental and vision expenses. In this case, you’ll have a Limited Use FSA. Once you’ve met your medical plan deductible, you can use your FSA for medical expenses incurred after the deductible is met. 

Under the Affordable Care Act (ACA), part-time employees may meet eligibility requirements for medical coverage.  Gallagher tracks an employee’s hours worked over a set period of time (Measurement Period) to calculate average weekly hours worked.  If the average hours worked during the Measurement Period are equal to or greater than 30 hours per week, the employee is eligible for medical coverage for a defined period of time while actively employed.

Please contact the Corporate Benefits team if you have questions. 

Marketplace Notice

ACA Notice 1557

The Family and Medical Leave of Absence (FMLA) is to provide eligible employees up to 12 weeks of unpaid leave to fulfill family obligations relating to the birth, adoption or foster placement of a child, or to handle critical issues arising out of their own or a qualifying family member's serious health condition.

Employee Family Medical Leave Act Policy

Military Family and Medical Leave of Absence Policy
To provide leave to employees with family members serving in the military, as required under the National Defense Authorization Act (NDAA) and various state laws. (administered by The Hartford)

Military Leave Document
To provide leaves of absence to all regular part-time and full-time employees who serve in the Uniformed Services. (administered by Corporate Payroll)

HIPAA Privacy and Security Policy

HIPAA Privacy Notice

Medicare Part D Certificate of Creditable Coverage

Medicare and Gallagher Medical Plan Options Chart

2025 Automatic Contribution Notice

The Transparency in Coverage rules under the No Surprises Act requires health plans to disclose in-network provider negotiated rates for services as well as historical out-of-network allowed amounts through machine- readable files.  To access this information, please click on the link below:

https://bcbsil.com/asomrf?EIN=362481781

CHIP Notice