Health and Dental Plans

Full-time associates in Puerto Rico have the option to enroll in health benefits, that include medical, prescription drug, and dental coverage, provided through Triple-S Salud. In addition to coverage for yourself, you may elect coverage for your eligible dependents, including legal spouses and dependent children. 

Your eligible dependents include:

  • your lawful spouse
  • your domestic partner who meets certain criteria (you’re required to submit an Affidavit of Domestic Partnership)
  • your dependent children up to age 26, or who are age 26 or older with a physical or mental disability as defined by the Social Security Administration.

Eligible children include your natural children, legally adopted children, stepchildren who reside with you the majority of the time, children of your verified domestic partner and children for whom you have legal guardianship.  PetSmart requires proof of dependent eligibility for all dependents added to the health plans.

Domestic partners are eligible for healthcare benefits under the PetSmart Plan if they meet the eligibility criteria. A domestic partner refers to someone other than a husband or wife with whom you are in a committed, serious and usually permanent relationship. You will be asked to provide supporting documentation that confirms their eligibility. Eligibility is defined as:

  • Reside together in an exclusive commitment similar to marriage and intend to continue in the relationship indefinitely;
  • Have lived together for at least twelve (12) consecutive months, or twelve (12) consecutive months as of the effective date of coverage;
  • Are jointly responsible for basic living expenses;
  • Are at least 18 years old and mentally competent to consent to this affidavit; and
  • Are not related by blood to a degree of closeness that would prohibit legal marriage in the state where we legally reside;
  • Neither is legally married to, the civil union spouse of, or a domestic partner of any other person;
  • Both are capable of consenting to the domestic partnership and are not consenting to the partnership under force, duress, or fraud;
  • The relationship is not in violation of any laws applicable to the benefit;
  • There has been at least twelve months since the termination of a previous domestic partnership

Supporting documentation for any two of the following dated at least 12 months prior to the date of enrollment:

  • Copy of any declaration, affidavit, or similar document that establishes our relationship that has been filed with any governmental entity
  • Joint mortgage or joint tenancy on a residential lease
  • Joint bank account (e.g., statements; copies of cards or voided checks are not acceptable)
  • Joint liabilities (e.g., a credit card or car loan; utility bills are not acceptable)
  • Joint ownership of significant property (e.g., a car or a house)
  • Proof that you have named each other as primary beneficiary in wills, life insurance policies or retirement annuities.
  • A written agreement or contracts regarding your relationship showing mutual support obligations.
  • Named on the same car insurance policy.

PetSmart must be notified within forty-five (45) days of the termination of our domestic partnership by filing a Termination of Domestic Partnership with the Benefits Department. An associate cannot file a new domestic partnership for twelve (12) months following the filing of a Notice of Termination of Domestic Partnership.

The benefit premiums for a domestic partner who is not a tax dependent must be paid on federal after-tax basis and the IRS requires that the fair market value of health coverage extended to a domestic partner who is not a tax dependent must be reported as taxable income and is included in the employee’s gross income. This is the portion that PetSmart contributes and will be added as imputed income for tax calculation. This is not actual income, but it is included in the employee’s gross income in order to assess tax withholdings. If an employee has imputed income due to covering their non-dependent domestic partner, they will have a higher amount of their pay withheld in taxes than if they did not cover their non-dependent domestic partner.

We have three levels of coverage to meet the needs of our associates and their families. When enrolled you will be responsible for the weekly contribution amount based on your coverage level. 

 

Coverage Level

2022 Weekly Associate Contribution

Associate Only

$11.08

Associate + One 

$22.17

Associate + Family (includes spouse and child(ren)) 

$26.11

The table below contains highlights of your PetSmart Health and Dental benefits. Costs for these coverages vary by coverage level. View the Summary of Benefits and Coverage for full details.

Benefit

Highlights

Health Care 

Physician Copays Per Visit

$10 primary care/$15 specialist

Hospital Admission

$50

Emergency Room

$75/$35 if recommended by a teleconsultant

X-Rays and Labs

25%

Major Medical

20% coinsurance; lifetime maximum is $1,000,000

Prescription Drug Copays

$5 generic/$20 name brand

Dental Care

Preventive Services (cleanings, x-rays, etc.)

100% coverage

Minor Services (fillings, extractions, etc.)

70% coverage

Major Services (crowns, etc.)

50% coverage

Orthodontia

100% up to $1,000 lifetime maximum

2023 OPEN ENROLLMENT BEGINS OCTOBER 4TH. CLICK HERE TO LEARN MORE!