Life Events Summary

Below is a summary of life events, which may cause you to use or change your benefits. Please use this as a reference when you have a change in status that could affect your benefits.

Marriage
Divorce
Birth
Illness (Self)
Illness (Family)
Retirement
Termination
Disability - if receiving Long Term Disability (LTD) benefits
Dependent Eligibility
Work Related Injury
Death
Change in Status: Full-Time To Part-Time (less than 75%)
Change in Status: Assumption of Full-Time Status/Benefit Eligible (75% or greater with an appointment of nine (9) months or more)

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 Annuity (TDA)/403-B - 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 - conversion to an individual policy
Tax Deferred Annuity (TDA)/403-B - beneficiary change
Basic Life - beneficiary change
Supplemental Life - beneficiary change
Taxes - consult your tax advisor regarding withholding changes
COBRA - 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 - available for pre-natal and post-natal care

Illness (Self)

Medical- utilize your medical benefits
Dental - utilize your dental benefits
Long Term Disability (LTD) - may be used for illness lasting longer than 149 days, 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 - up to 12 days per calendar year of accrued time may be used to care for a family member due to an illness
Vacation - may be 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- continues after retirement if you were enrolled as an active employee
Dental - continues after retirement if you were enrolled as an active employee
Basic Life - continues after retirement until age 70 if you were enrolled as an active employee
Supplemental Life - continues after retirement if you were enrolled as an active employee
Dependent Life - continues after retirement if you were enrolled as an active employee
Long Term Disability (LTD) - cancels at retirement
Accidental Death and Dismemberment (AD& D) - continues after retirement if currently enrolled
Long Term Care (LTC) - continues after retirement if currently enrolled
Tax Deferred Annuity (TDA)/403-B - cannot deduct 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 available
Long Term Disability (LTD) - benefits cancel
Accidental Death and Dismemberment (AD& D) - benefits cancel
Tax Deferred Annuity (TDA)/403-B - 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 five (5) years of continuous employment
Unemployment Compensation - benefits available pending Division of Unemployment approval
Vacation - accrued balance will be paid
Sick Leave - accrued balance will not be paid
Personal Days - balance must be used prior to termination

Disability - if receiving Long Term Disability (LTD) benefits

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 Annuity (TDA)/403-B - terminates upon death; beneficiary should contact TDA 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: Full-Time To Part-Time (less than 75%)

Medical/Dental - COBRA benefits available if you were enrolled while benefit-eligible
Life Insurance - conversion policy available
Long Term Disability (LTD) - benefits cancel
Accidental Death and Dismemberment (AD& D) - benefits cancel
Tax Deferred Annuity (TDA)/403-B - eligible to continue participation
Flexible Spending Account - not eligible to continue participation
Workers' Compensation - employees covered for work related injuries
Vesting/Retirement - if you change in status after five (5) years full-time continuous employment, benefits may be available upon termination
Vacation - accrued balance will be paid
Sick Leave - accrued balance will not be paid
Personal Days - balance will not be paid if not used prior to change in status

Change in Status: Assumption of Full-Time Status/Benefit Eligible (75% or greater with an appointment of nine (9) months or more)

Medical/Dental - effective retroactive to Date of Hire or Benefit-Eligibility Date - form must be received within 30 days of date of hire
Basic Life - 1x annual salary paid by the University, effective date of employment; for 2x annual salary, employee contribution required. Effective retroactive to Date of Hire or Benefit-Eligibility Date.
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 Annuity (TDA)/403-B - available first day of employment; $25 minimum, 20% maximum contribution can be deferred, not to exceed IRS maximum of $10,000 per year; employee contribution only
Vacation - 12 days per year for non-exempt and 17 days per year for exempt staff; available after six (6) months of continuous employment
Sick Leave - accrue one day per month; available for usage as accrued
Personal Days - four (4) days received on date of employment; two (2) days available to use within six (6) months of initial hire; four (4) new days received on anniversary date; 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 can be used to reimburse for eligible expenses not covered by insurance; Dependent Care Assistance Account can be used to be reimbursed for the care of dependent children or adults
Workers' Compensation - employees covered for work related injuries
Vesting/Retirement - no employee contribution required; benefits available after five (5) years full-time continuous employment

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