Change in Family Coverage

If you've had a change in your family, like a marriage or a new baby, you may want to add your new dependent to your coverage. You may also want to remove a dependent who is no longer eligible due to age or divorce.

Family status changes like these allow you to make a change to your coverage after your initial eligibility for benefits or outside of the Open Enrollment period every November. But to make your change in coverage, you have to put in a request within 30 days of the date the change happened.

Family Status Changes

Here’s the list of changes in your family that allow you make a coverage change:

  • Change in legal marital status, including marriage, divorce, or annulment
  • Death of your spouse or your last eligible dependent child
  • Birth or adoption of your eligible dependent child
  • Change in your last dependent child's eligibility because of their age
  • Beginning or ending of employment for you, your spouse, or your dependent
  • Change in your or your spouse's employment status from part-time to full-time or from full-time to part-time
  • Change in the place of residence or worksite for you, your spouse, or your dependent to a location outside of where your current plan is available

You do need to provide documentation for your change in coverage. See the Required Documentation for Status Events (pdf) to learn what you need to include.

If you don’t apply for a change in coverage within 30 days of when your family status change occurs, you’ll have to wait until the next Open Enrollment period in November to make a change.

If you have specific questions or you want to request a benefit change, call 4-UOHR (612-624-8647; 800-756-2363, select option 1); or email benefits@umn.edu.

Benefits Available for Change

See one of the sections below for:

 

Benefit Changes with Birth and Adoption

You can make the following changes within 30 days of the birth or adoption of your child:

  • Add your child to your medical or dental plan with coverage that starts on the date of the birth or adoption. You can also add your spouse who has not been covered under the UPlan at this point.
  • Enroll in a dependent daycare or health care flexible spending account or change the amount in your current account to be effective with the first full payroll period following the date of birth or adoption.
  • Add child life insurance for $10,000 without evidence of good health.

Call 4-UOHR (612-624-8647; 800-756-2363, select option 1) to request these benefit changes. If you miss the 30-day window after the birth or adoption happens, you’ll need to wait until the next Open Enrollment in November to make a change.

Changes you can make at any time:

  • Add or increase your additional employee life insurance, which is subject to underwriting, for up to $500,000 or­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­—if greater—five times your annual base salary but not more than $1 million
  • Add spouse life insurance, which is subject to underwriting, up to a maximum of $500,000
  • Add or increase the amount of short-term disability coverage, which is subject to underwriting
  • Update beneficiaries on your life insurance and retirement plans

Leaves for Adoptions and Births

If you’re planning on taking short-term disability or family and medical leave (FMLA) for the birth or adoption of your child, you can call 4-UOHR (612-624-8647; 800-756-2363, select option 1) to talk about how your benefits will be affected by your leave.

  • Depending on your employment classification, you can use parental, sick, vacation, FMLA, and unpaid time for your leave. If you need help understanding programs and policies regarding your leave, contact your HR Lead.

Tax Changes Related to Adoptions and Births

Update your personal and W-4 tax information with the number of federal and state withholding allowances.

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Benefits Available with Marriage

You can make the following changes within 30 days of your marriage:

  • Add your spouse to your medical or dental plan with coverage that starts on your marriage date
  • Enroll in a flexible spending account or change the amount effective with the first full payroll period following your marriage date
  • Add spouse life insurance in multiples of $1,000 up to $10,000 without evidence of good health

To make changes to your benefits, call 4-UOHR (612-624-8647; 800-756-2363, select option 1); or email benefits@umn.edu. If you miss the 30-day window, you need to wait until the next Open Enrollment in November.

Changes you can make at any time:

  • Add spouse life insurance, subject to underwriting, up to a maximum of $500,000
  • Add or increase employee additional life insurance, subject to underwriting, up to a maximum of $500,000 or—if greater—five times your annual salary (rounded up to the next $1,000), but not more than $1 million
  • Add or increase the amount of short-term disability, subject to underwriting
  • Update your beneficiary on your retirement and insurance plans

Additional Changes Related to Marriage

Update Personal Information

  • Update your address
  • Change your name, if needed
  • Add your new spouse as an emergency contact

Update Your W-4 Tax Information

  • Update the number of federal and state withholding allowances
  • Update your marital status

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Eligibility Change Due to Divorce

You must notify Employee Benefits within 30 days of your divorce because it affects your ex-spouse's continued eligibility for benefits.

Medical and Dental Coverage for Ex-Spouses

Medical and dental coverage for your ex-spouse ends on the last day of the month in which the divorce is final. You need to cancel coverage within 30 days of the date of divorce. If you don't, the family contribution rate will continue to be deducted from your pay, but any services for your ex-spouse will not be covered.

If you have children covered, you would start paying the employee and children contribution rate.

To remove your ex-spouse or cancel coverage call 4-UOHR (612-624-8647; 800-756-2363, select option 1;) or email benefits@umn.edu.

COBRA Continuation Coverage for Ex-Spouses

Your ex-spouse may continue group medical and dental coverage under COBRA Continuation of Coverage until the earlier of:

  • 36 months following loss of coverage, or
  • he or she becomes covered under another group insurance plan.

Your ex-spouse must pay the full cost of coverage plus a 2% administrative charge.

To choose to continue group medical and dental coverage, your ex-spouse must complete the Request for Continuation of Coverage form (pdf) no later than 60 days after the date of divorce.

You can get the form by calling 4-UOHR (612-624-8647; 800-756-236, select option 1); or email benefits@umn.edu.

Ex-Spouse Life Coverage

Spouse life insurance coverage ends on the last day of the month in which the divorce is final. You will need to cancel spouse life insurance coverage within 30 days of your divorce date.

Your ex-spouse cannot continue spouse life insurance coverage under COBRA; however, he or she has the option to convert the spouse life amount to an individual insurance policy. Call 4-UOHR (612-624-8647; 800-756-2363, select option 1); or email benefits@umn.edu to request the form to cancel coverage and get information on the individual insurance policy.

Flexible Spending Accounts After Divorce

You can change your election in a health care or dependent daycare flexible spending account no later than 30 days after the date of your divorce.

Changing Beneficiary Designations After a Divorce

For information to change the beneficiary designation for your retirement plan and life insurance, call 4-UOHR (612-624-8647; 800-756-2363, select option 1); or email benefits@umn.edu.

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Coverage Eligibility for Children Through Age 25

You can cover your children, unmarried or married, through age 25 (up to their 26th birthday) on the UPlan Medical and Dental Program, regardless of student status and even if the adult child no longer lives with you. See Benefits Eligibility for detailed information.

End of Dependent Eligibility Status for Covered Children

When your child reaches age 26, dependent status ends. Coverage for your child ends on the last day of the month in which he or she turns age 26.

Your child can continue coverage under COBRA Continuation of Coverage forup to 36 months by paying the full cost plus a 2% administrative fee. Request the COBRA instructions and application within 60 days of the date your child loses eligibility. Call 4-UOHR (612-624-8647; 800-756-2363, select option 1); or email benefits@umn.edu.

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