If you pay your medical, dental and vision premiums with pre-tax dollars, you can only make benefits changes during open enrollment or within 31 days of a qualifying life event.
Qualifying life events include birth/adoption, divorce/legal separation, marriage, changes in employment status (going to part-time/full-time), termination of employment, becoming age 65 (Medicare-eligible), retiring, death, loss of eligibility for other coverage or employer contributions for other coverage ending, a dependent reaching age 26, or a Qualified Medical Child Support Order (from a court of law) indicating you must provide coverage for a dependent.
If you have any of these qualifying life events, you can:
Add or remove dependents from medical, dental or vision coverage; and/or
Increase or decrease your Healthcare and Dependent Care Flexible Spending Account elections.
If you add a dependent due to marriage, birth, adoption or placement for adoption, you have 31 days from the date of the event to add that dependent to your coverage. If you previously waived coverage or did not elect coverage during your initial eligibility period, you can add coverage for you and your other dependents within 31 days of marriage, birth, adoption or placement for adoption.
If the 31 days have passed since your qualifying life event and you have not submitted forms to enroll your dependents in coverage, you will not be able to add your dependents until the next open enrollment period or if you have another qualifying life event.
If you pay your medical, dental or vision coverage premiums with after-tax dollars, you can complete and return the benefit change form to remove a dependent at any time, even if you do not have a qualifying life event.
Employment Status Changes
Generally, if you change from full-time to part-time, part-time to full-time, or end employment due to retirement, termination or a leave of absence, you can change your benefit elections. If any of these qualifying life events occur, you can:
Add or remove medical, dental and vision coverage. (Note: If you remove benefits coverage during a leave of absence, coverage can be reinstated when you return to work);
Continue benefits through retiree coverage, if eligible; or
Transfer coverage to a spouse if he or she also works for the University.
Termination of Employment
If you are covered by the University’s medical, dental and/or vision plans when you end your employment with the University, including resignation, retirement or termination, you may continue coverage at your own expense under the Consolidated Omnibus Budget Reconciliation Act (COBRA).
If your employment ends, you will be contacted by WageWorks about your COBRA rights and the cost of COBRA coverage.
Certain other benefits, including life and disability insurance, can be continued by paying premiums directly to the provider or by converting your coverage to a private policy.
Effective Date of Coverage Changes
As long as you meet the 31-day enrollment deadline, medical, dental and vision coverage changes will be effective as follows:
For your child(ren): Retroactive to the date of birth/adoption or the date a child is placed for adoption.
For your spouse: Retroactive to the date of marriage, divorce or legal separation.