Change in Family Coverage

With a change in your family, like marriage or a new baby, you may want to add this new dependent to your coverage. If you have a dependent who is no longer eligible due to age or divorce, you'll want to cancel coverage for that person.

Family status changes like these allow you to make a coverage change after your initial eligibility or outside of Open Enrollment in November. But to make your change in coverage, you have to make 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 due to 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 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 or 800-756-2363), select option 1, or email benefits@umn.edu.

Benefits Available for Change

See one of the sections below for:

 

Benefits Available 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. Coverage starts on the date of birth or adoption. You can also add your spouse to UPlan coverage 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 or 800-756-2363), select option 1, or email benefits@umn.edu to request these benefit changes. If you miss the 30-day window, your next opportunity to make a change is Open Enrollment in November.

Changes you can make at any time:

  • Add or increase additional employee life insurance, 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, subject to underwriting, up to a maximum of $500,000
  • Add or increase the amount of short-term disability coverage, subject to underwriting
  • Update beneficiaries on your life insurance and retirement plans

Leaves for Adoptions and Births

If you’re planning to take short-term disability or family and medical leave (FMLA) for the birth or adoption of your child, you'll want to call 4-UOHR (612-624-8647 or 800-756-2363), select option 1, to find out how your leave will affect your benefits.

  • 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 or 800-756-2363), select option 1, or email benefits@umn.edu. If you miss the 30-day window, your next opportunity to make a change is 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 your personal contact information such as your address and emergency contact and W-4 tax information with the number of federal and state withholding allowances.

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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.

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

If you have children covered under your benefits, you would pay the employee and children contribution rate.

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
  • becomes covered under another group insurance plan.

Your ex-spouse must pay the full cost of coverage plus a 2% administrative charge and complete the form for COBRA coverage within 60 days of the divorce.

You can get the form by calling 4-UOHR (612-624-8647 or 800-756-2363), 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, there is an option to convert the spouse life amount to an individual insurance policy. Call 4-UOHR (612-624-8647 or 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 contribution amount 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 or 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 your child turns age 26.

Your child can continue coverage under COBRA Continuation of Coverage for up 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 or 800-756-2363), select option 1, or email benefits@umn.edu.

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