Have questions? We have answers.


  1. How do I know if I am eligible for benefits?

    If you work an average of 30 or more hours per week, you are eligible for medical, dental and vision benefits. You must work an average of 35 or more hours per week to be eligible for most other benefits, such as disability, Supplemental Life and AD&D. Please see your Benefits Guide for more details on eligibility.

  2. I would like to get coverage for my common law spouse. Is that allowed?

    You may elect coverage for a legally married spouse, including common law spouses. You will be required to submit a Declaration of Marriage issued by the state of residence or, where not available, the Partnership's Affidavit of Common Law Marriage with supporting documentation requested.

  3. My spouse and I both work for the Partnership. Can I enroll as an employee on my coverage and as a dependent on my spouse’s coverage? Or, can we both cover our children as dependents on our separate policies?

    No. If you and your spouse both work for the Partnership, you may each only be covered once. You may choose to each have employee only coverage, or one of you may choose to employee plus spouse (family) coverage, but you may not have both. If you are covering your children, a child may only be listed under one employee’s policy, not both.

These frequently asked questions (FAQs) provide only an overview of benefit changes and clarifications effective January 1, 2024. The respective plan documents and policies govern your rights. You should rely on this information only as a general summary of some of the features of the plans and policies. In the event of any difference between the information contained herein and the plan documents and policies, the plan documents and polices will supersede and control over these FAQs. The Partnership expressly reserves the right at any time and for any reason to amend, modify or terminate one or more of the plans or policies described in these FAQs.

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Retail Benefits Helpline
7:00 a.m. - 6:00 p.m. Central time,
or email bac.retailbenefits@ajg.com


2024 Benefits Open Enrollment is closed.

If you have questions about your benefit elections, please contact the Retail Benefits Helpline at 1-855-327-5910, or email bac.retailbenefits@ajg.com.

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