Life Events

Below is a summary of life events, which may cause you to use or change your benefits. This may be used as a reference if and when you have a change in status that could affect your benefits. This is intended as general reference guide only. For Specific information affecting your particular benefits, please consult your employer, insurance company, agent, tax consultant and / or advisor.

Marriage

• Medical - add dependents within 30 days, retroactive coverage with effective date of marriage
• Dental - add dependents within 30 days, retroactive coverage with effective date of marriage
• Dependent Life - enroll spouse/child(ren) within 30 days, retroactive coverage with effective date of marriage
• Basic Life - beneficiary change
• Supplemental Life - beneficiary change
• Tax Deferred Plans - beneficiary change
• Taxes - consult your tax advisor regarding withholding changes
• Name Change - notify Human Resources

Divorce

• Medical - add/drop dependents within 30 days, retroactive coverage with effective date of divorce
• Dental - add/drop dependents within 30 days, retroactive coverage with effective date of divorce
• Dependent Life - maybe convertible to an individual policy
• Tax Deferred Plans - beneficiary change
• Basic Life - beneficiary change
• Supplemental Life - beneficiary change
• Taxes - consult your tax advisor regarding withholding changes
• COBRA - maybe entitled to continue your benefits, if you are currently covered as a dependent under your spouse's plan

Birth/Adoption

• Medical - add dependent within 30 days, retroactive coverage with effective date of birth/adoption
• Dental - add dependent within 30 days, retroactive coverage with effective date of birth/adoption
• Dependent Life - add dependent within 30 days, retroactive coverage with effective date of birth/adoption
• Flex Spending Account - enroll during change period
• Base Life - beneficiary change
• Supplemental Life - beneficiary change
• FMLA -12 weeks available for care of newborn or adopted child
• Sick Leave - maybe available for pre-natal and post-natal car

Illness (Self)

• Medical- utilize your medical benefits
• Dental - utilize your dental benefits
• Long Term Disability (LTD) - may be used for illness lasting longer than the specified elimination period, pending approval
• Long Term Care (LTC) - if enrolled, may be used for out-patient care due to a serious medical condition
• Sick Leave -  accrued time may be used for time off due to an illness
• Vacation - may be used, if additional paid time off is needed due to an illness
• Family and Medical Leave Act (FMLA) - may use up to 12 weeks for serious medical conditions.

Illness (Family)

• Medical- utilize your medical benefits
• Dental - utilize your dental benefits
• Sick Leave - usually based on tenure for a specified number of days per calendar year of accrued time may be used to care for a family member due to an illness
• Vacation - maybe used, if additional paid time off is needed due to care for a family member due to an illness
• Family and Medical Leave Act (FMLA) - may use up to 12 weeks to care for an immediate family member who has a serious medical condition

Retirement

• Medical- may continue after retirement until a specified age, if you were enrolled as an active employee
• Dental - may continue after retirement until a specified age,  if you were enrolled as an active employee
• Basic Life - may continue after retirement until a specified age, if you were enrolled as an active employee
• Supplemental Life - may continue after retirement until a specified age, if you were enrolled as an active employee
• Dependent Life - may continue after retirement until a specified age, if you were enrolled as an active employee
• Long Term Disability (LTD) - cancels at retirement
• Accidental Death and Dismemberment (AD& D) - may continue after retirement until a specified age, if currently enrolled
• Long Term Care (LTC) - may continue after retirement until a specified age, if currently enrolled
• Tax Deferred Plans - usually may not be deducted from retirement check
• Social Security - eligible for benefits at age 62

Termination

• Medical/Dental - COBRA benefits available if you were currently enrolled while benefit-eligible
• Life Insurance - conversion policy maybe available
• Long Term Disability (LTD) - conversion policy maybe available
• Accidental Death and Dismemberment (AD& D) - benefits usually cancel
• Tax Deferred Plan - deductions stop upon termination
• Flex Spending Account - monies deferred into account may be reimbursed for services up until date of termination; COBRA benefits available for the remainder of that year if you were enrolled while benefit-eligible
• Vesting/Retirement - benefits available after a period of years while continuous employed
• Unemployment Compensation - benefits available pending Division of Unemployment approval
• Vacation - in some instances, accrued balance maybe paid
• Sick Leave - in some instances accrued balance maybe be paid
• Personal Days - usually any balance must be used prior to termination

Disability

• Medical/Dental - if employed more than five (5) years, eligible to continue benefits through payroll deduction; if employed less than five (5) years, COBRA benefits will be offered
• Life Insurance - if employed more than five (5) years, eligible to continue benefits through payroll deduction; if employed less than five (5) years, conversion policy will be offered
• Long Term Disability (LTD) - cancels
• Accidental Death and Dismemberment (AD& D) - if employed more than five (5) years, eligible to continue benefits through payroll deduction; if employed less than five (5) years, cancels
• Vacation - accrued balance will be paid
• Sick Leave - accrued balance will be paid
• Personal Days - balance will not be paid
• Social Security - contact the Social Security Administration

Dependent Eligibility

• Eligible dependents include your spouse and each of your unmarried natural children younger than age 19.
• Children age 19 and older are also eligible for coverage if they meet the requirements.
  

Work Related Injury

• All employees are covered by Workers' Compensation Insurance for work related injuries.
  

Death

• Medical/Dental - terminates at date of death, dependent coverage may continue through our retirement system
• Basic/Supplemental Life - payable upon death to designated beneficiary
• Dependent Life - conversion policy available
• Long Term Disability (LTD) - cancels upon death
• Long Term Care (LTC) - cancels upon death
• Accidental Death and Dismemberment (AD& D) - cancels upon death
• Tax Deferred Plans - terminates upon death; beneficiary should contact company
• Flex Spending Account - expenses incurred prior to date of death are reimbursable
• Vacation - accrued time will be paid
• Sick Leave - accrued time will not be paid
• Social Security - beneficiary should contact the Social Security Administration

Change in Status

• Medical/Dental - COBRA benefits maybe available, if you were enrolled while benefit-eligible
• Life Insurance - maybe able to convert to individual policy
• Long Term Disability (LTD) - maybe able to convert to individual policy
• Accidental Death and Dismemberment (AD& D) - benefits cancel
• Tax Deferred Planw- maybe eligible to continue participation
• Flexible Spending Account - not eligible to continue participation
• Workers' Compensation - employees will be covered for work related injuries
• Vesting/Retirement - if you change in status after a specified number years as full-time continuous employment, benefits may be available upon termination
• Vacation - accrued balance maybe available or paid
• Sick Leave - accrued balance may not be available or paid
• Personal Days - balance may not be paid, if not used prior to change in status

Change in Status

• Medical/Dental - effective based on the Date of Hire or Benefit-Eligibility Date - form must be received within 30 days of date of hire
• Basic Life - effective based on the Date of Hire or Benefit-Eligibility Date - form must be received within 30 days of date of hire
• Supplemental Life - up to 3x annual salary available, effective upon approval
• Dependent Life Spouse - $10,000/$20,000 available, additional coverage available upon approval.  Effective retroactive to Date of Hire or Benefit-Eligibility Date - total cost incurred by employee.
• Dependent Life Child(ren) - $5,000 for each child up to age 19, additional coverage available upon approval.  Effective retroactive to Date of Hire or Benefit-Eligibility Date - total cost incurred by employee.
• Long Term Disability (LTD) - Option A paid by University, effective date of employment; Option B employee contribution required.  Effective retroactive to Date of Hire or Benefit-Eligibility Date.
• Accidental Death and Dismemberment (AD& D) - Self/Family coverage available, principal sum range $10,000-$150,000.  Effective retroactive to Date of Hire or Benefit-Eligibility Date - total cost incurred by employee.
• Tax Deferred Plans - maybe available within a specified date of employment; with a minimum, and maximum contribution which maybe tax deferred, subject not to exceed IRS guidelines per year based on employee and / or employer contribution..
• Vacation - specified number of days per year for non-exempt  or for exempt staff; maybe available after completion of the benefit eligibility period usually one (1) to (6) months of continuous employment
• Sick Leave - maybe provided based on tenure and accrual monthly of a specified number of days per year; usually available for usage as accrued
• Personal Days - specified number of days per year for non-exempt  or for exempt staff; maybe available after completion of the benefit eligibility period usually one (1) to (6) months of continuous employment. Additional days maybe received on anniversary date; usually with no previous balance carry over
• COBRA - entitled to continue your benefits, if you were covered as an active employee
• Flexible Spending Account - Health Care Expense Account maybe used to reimburse for eligible expenses not covered by insurance; Dependent Care Assistance Account maybe used to be reimbursed for the care of dependent children or adults
• Workers' Compensation - employees covered for work related injuries
• Vesting/Retirement - employee contribution maybe required; benefits available after specified period of years full-time continuous employment