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My Benefits | My Spouse/Dependent is Changing or Losing Coverage

My Spouse/Dependent is Changing or Losing Coverage

The following web page answers questions employees may have about what happens to benefits when their spouse or dependent gains or loses coverage. This page supports Academic Administrators, Faculty, Institutional Officials, P&S, and Merit Supervisory & Merit Confidential employees who are currently employed at the university.

Timeline

4-6 Months Prior

  • Sometimes the change of your spouse/dependent’s coverage is not a planned event, but if it is we suggest creating a checklist of items that might need to be reviewed to prepare for the change in coverage. The following items could be considered:
    • Health, dental, and vision insurance
    • Life insurance beneficiaries
    • Health Care or Dependent Care Flex Spending
    • Voluntary Term Life (VTL)
    • Emergency contacts
    • Tax forms
    • Address change
    • Who will need to be enrolled? Spouse? Dependents?
  • For more information on: health, dental, and vision coverage, voluntary term life and accidental death & dismemberment, flex spending, and beneficiaries, please see the detailed sections below.

2-4 Months Prior

  • Review all insurance plans that you might be eligible for to determine what plan works best for you and your spouse/partner and possible dependents.
    • Are you eligible to enroll in any of the UNI health, dental and/or vision plans? To see what plan would work best for you, your spouse, and possible dependents visit our website.
    • Are your spouse or dependents eligible for Medicare? If so, you will want to review those options and see how those plans tie in with UNI plan.
    • If you choose to enroll in a UNI plan, did you consider signing up for the premium only plan or the flexible spending plan? The premium only plan will allow your premiums to be paid pre-tax instead of post-tax. The Health Care FSA will use pre-tax dollars to pay for co-pays, coinsurance, and deductible charges from your health, dental, and vision plans. Do you have dependents who are enrolled in daycare? The Dependent Care FSA allows you to set aside dollars each year from your paycheck to pay for qualified dependent care expenses.
  • When you have decided which plans you and your spouse and/or dependents would like to enroll in plan ahead and find out what the enrollment process is.
  • Once you have decided which plans to enroll in you will need to provide the following documentation:
    • Marriage License, or
    • Notarized copy of a public record showing date of marriage, or
    • Affidavit of Domestic Partnership, or
    • Registration of Domestic Partnership, or
    • Affidavit of Dependency for Tax Purposes, or
    • Affidavit of Common Law Marriage, or
    • Birth Certificate (if change is because of a child)
    And
    • Spouse/dependent coverage status change (enrollment or termination notice, etc), or
    • Spouse/dependent employment status documents (offer letter, COBRA notice, etc), or
    • Letter from other employer documenting loss of coverage

1 Month Prior

  • Once you have the necessary documentation you will be ready to make your benefit changes. Please remember that you have 30 days (from the time of the life event) to make these changes.
  • Have any personal information that needs to be updated such as name, address, and emergency contacts? These can be updated by logging into My UNIverse and selecting Update My Personal Information.

1 Week After

  • Need to update your tax information? This can be done by logging into eBusiness Suite and selecting W-4 Form Employee Withholding Allowances under the UNI Employee Self Service link.

Documentation

Acceptable documentation must be provided to support a change in benefits and/or a name change.

  • Proof of union
    • Marriage license, or
    • Notarized copy of public record, or
    • Affidavit of Domestic Partnership, or
    • Registration of Domestic Partnership, or
    • Affidavit of Dependency for Tax Purposes
  • AND
    • Spouse coverage status change (enrollment or termination notice, etc.), or
    • Spouse employment status documents (offer letter, COBRA notice, etc.), or
    • Letter from other employer documenting loss of coverage

Health, Dental, & Vision Coverage

You may add or remove eligible family members to your health, dental and vision plans within 30 days of your spouse or dependent gaining or losing primary coverage. Coverage will be effective the first of the month after the effective date of change. Any other changes to your plan must be made during the open enrollment period.

Employees may elect to pay their portion of the family health and/or dental insurance premiums with after-tax dollars instead of pre-tax. Enrollment in this option will result in higher Federal and State Income Tax and Social Security and Medicare Tax withholding and therefore less take-home pay. Participation begins when your first health and/or dental insurance premium is deducted from your payroll, providing you enroll at the same time you enroll in the insurance plan(s). You have 30 days from the date of employment to enroll in the option, but if you delay enrollment beyond the time you enroll in the insurance plan(s), the first premium deduction may not be made after-tax.

To make a change due to a life event, please use Benefits Self-Service System.

Benefits Self-Service Login

Voluntary Term Life (VTL) Insurance and Accidental Death & Dismemberment

You may enroll or increase the amount of your Voluntary Term Life Insurance (VTL) and Accidental Death & Dismemberment (AD&D) Insurance for yourself, your spouse, and your children. Spouse and child coverage cannot exceed 100% of your coverage. If elected, this coverage would be in addition to the university provided life insurance, and you pay the full cost of the premium with after-tax dollars through monthly payroll deduction. If you are not already enrolled in VTL proof of good health will be required.

The monthly premiums vary based on the age of the applicant and the coverage chosen. For more information on the premiums and coverage amounts, view the Benefits-At-A-Glance informational handout.

To enroll in or increase coverage please use the Benefits Self-Service System.

Flex Spending – Health Care and Dependent Care

If you need to make a change or enroll in health care or dependent care flex spending due to a qualifying life event, you can enroll online through Benefits Self-Service System. Your deductions will start the month after the election is made.

Beneficiaries

If you need to update your life insurance beneficiaries due to a qualifying life event, you can submit a group life insurance Beneficiary Designation Change Form or a VTL Beneficiary Designation Change Form.

For IPERS beneficiaries, please fill out the IPERS Enrollment and Beneficiary Designation form and submit to IPERS at the address on the form.

To update your TIAA beneficiaries please log onto the TIAA website and update your beneficiaries accordingly.

If you have additional questions, please contact Human Resource Services at 319-273-2423 or email your inquiry to hrs-benefits@uni.edu and a member of the Benefits team will respond.