Retirees who are not Medicare-eligible, their eligible dependents, non-Medicare-eligible dependents of Medicare-eligible retirees or participants in the Personal Benefits Program section of the Retiree Summary Plan Description (SPD) are eligible to enroll in dental coverage under the Plan.
If you and your eligible family members are living outside of the U.S. and Puerto Rico, you will be eligible for dental benefits reimbursement for eligible services but at the out-of-network level only since there are no network providers outside of the U.S. and Puerto Rico.
Note that once you (and/or your eligible dependent(s)) reach age 65 or become eligible for Medicare, you will no longer be eligible for dental coverage under the Plan.
If You Retired from IBM On or Before December 31, 2004
You may only enroll those dependents in your IBM medical, dental and/or vision coverage who met eligibility guidelines as of December 31, 2004. Any new dependents — such as those you gain through marriage/domestic partnership, birth or adoption — after December 31, 2004, are not eligible to enroll in your IBM medical, dental and/or vision coverage.
If you have a dependent who met eligibility requirements as of December 31, 2004, but who is not currently enrolled in an IBM medical, dental and/or vision option, that individual may enroll for coverage under the Plan as long as he or she continues to meet dependent eligibility guidelines.
If You Retired from IBM On or After January 1, 2005
You may enroll only those dependents in your IBM medical, dental and/or vision coverage who meet dependent eligibility guidelines as of your retirement date. You may not enroll dependents you gain after your retirement date — for example, a new spouse/domestic partner or a dependent child acquired by birth, adoption or marriage.