Eligibility and enrollment

Eligibility and enrollment for the ExxonMobil Vision Plan

Most U.S. dollar payroll regular employees of Exxon Mobil Corporation and participating affiliates are eligible for this Plan.

Generally, you are eligible if:

Eligible family members

You may also elect coverage for your eligible family members including:

  • Your spouse. When you enroll your spouse for coverage, you may be required to provide proof that you are legally married.
  • Your child(ren) under age 26. Coverage ends at the end of the month in which they reach age 26.  If your situation involves a family member other than your biological or legally adopted child, call Benefits Administration.
  • Your totally and continuously disabled child(ren) who is incapable of self sustaining employment by reason of mental or physical disability that occurred prior to otherwise losing eligibility and meets the Internal Revenue Service's definition of a dependent.
  • A child or spouse of a Medicare-eligible retiree enrolled in the ExxonMobil Medicare Supplement Plan.

Refer to Key Terms for definitions of eligible family members, child, suspended retiree, spouse, and Qualified Medical Child Support Order.

Suspended retiree

A person who becomes a retiree due to incapacity within the meaning of the ExxonMobil Disability Plan and who begins long-term disability benefits under that plan, but whose benefits stop because the person is no longer incapacitated is considered a suspended retiree and is not eligible for coverage until the earlier of the date the person:

  • Reaches age 55; or
  • Begins his or her benefit under the ExxonMobil Pension Plan at which time the person is again considered a retiree and may enroll.

The family members of a deceased suspended retiree will be eligible for coverage under this Plan only after the occurrence of the earlier of the following:

  • The date the suspended retiree would have attained age 55, or
  • The date a survivor begins receiving a benefit due to the suspended retiree's accrued benefit from the ExxonMobil Pension Plan.

Special eligibility rules

A person who otherwise is not a spouse but who, as a dependent of a former Mobil employee who participated in or received benefits under a Mobil-sponsored plan or program prior to March 1, 2000, is considered an eligible dependent as long as that person's eligibility for coverage as a dependent under a Mobil-sponsored plan would have continued.

Classes of coverage

You can choose coverage as an:

  • Employee or retiree only;
  • Employee or retiree and spouse;
  • Employee or retiree and child(ren); or
  • Employee or retiree and family.

There are also classes of coverage for extended part-time employees, surviving spouses and family members of deceased employees and retirees, spouses and family members of retirees covered by the ExxonMobil Medicare Supplement Plan, and employees on certain types of leaves of absence.

For employees on an approved leaves of absence, their contribution rate will not change.

Each class of coverage has its own contribution rate.  Employees contribute to the Plan through monthly deductions from their pay on a pre-tax or after-tax basis.  Retirees and survivors receiving monthly benefit checks from ExxonMobil pay by deductions from these checks on an after-tax basis.  Other retirees or survivors and participants with continuation coverage pay by check or monthly draft on their bank account.

If your participation in any group health plan (e.g., Medical, Medicare Supplement, Dental), to which ExxonMobil contributed, was suspended for non-payment of required contributions, in order to enroll in this Plan you must repay all required contributions retroactively to the date of suspension.

Double coverage

No one can be covered more than once in the Vision Plan. You and your spouse cannot both enroll as employees (or retirees) and elect coverage for each other as eligible family members. If you and your spouse work for the company or are both retirees you may both be eligible for coverage. Each of you can be covered as an individual employee (or retiree), or one of you can be covered as the employee (or retiree) and the other can be an eligible family member. Also, if you have children, each child can only be covered by one of you.

In addition, a marriage between two ExxonMobil employees does not allow enrollment or cancellation in any of the ExxonMobil health plans if either employee is then making contributions on a pre-tax basis. In order to change your coverage you need to wait until you experience a change in status that allows coverage changes or Annual Enrollment.