Life Events
You may make changes to your health and/or dental insurance, outside of an open enrollment period, if you experience a life event AND you complete a change or enrollment form within 30 days of the life event. Examples of IRS qualifying life events include:
Obtaining New Insurance Coverage
If you, or your dependents, have obtained new insurance coverage within the last 30 days, you can drop coverage. You must provide evidence of new coverage. Evidence of new insurance coverage must show the name(s) of the individuals who have new coverage AND the date the coverage began. Complete the change form(s), attach proof of new coverage, and submit your form and evidence to the Benefits Department at the DSC before the end of the 30 day grace period.
Involuntary Loss of Coverage
If you, or your dependents, have involuntarily lost coverage within the last 30 days, you can add eligible dependents to your plan (if you initially waived coverage, you can enroll in coverage). You must provide evidence of loss of coverage. Evidence may be a copy of the COBRA notice, HIPAA notice, or some other employer or insurer document that clearly shows the name(s) of the individuals who lost coverage AND the date the coverage ended.
Divorce
If you become divorced and cover your spouse under your medical and/or dental plan, your spouse must be removed from coverage. This must be done within 30 days of your divorce finalization date. You will be required to provide the following documentation: health/dental insurance change forms, in addition to the first and last pages of your divorce decree. Your spouse will be removed from active coverage at the end of the month in which your divorce is final. COBRA continuation will be offered to ex-spouse.
Marriage
You may change your insurance coverage from single to family coverage by adding your new spouse (and his/her eligible dependents) to your plan. You may add your new spouse (and his/her eligible dependents) to your current family coverage. Coverage for your new dependent(s) becomes effective on the date of marriage. Please complete forms prior to your marriage date and return completed forms to the Benefits Department at the DSC.
New Child (Birth or Adoption)
Coverage becomes effective on the date of birth or adoption. Complete forms on or after (but not more than 30 days after) the date of birth or adoption and return completed forms to the Benefits Department at the DSC.
Child Graduates from High School or College
This is not a life event. You can remove a child from your coverage if he/she has obtained their own coverage within the last 30 days (see Obtain New Coverage above), if the child turns 26, or during an open enrollment period.
Forms:
Dental Insurance Enrollment form Complete this form if you do not have current dental insurance with the district
Dental Insurance Change form Complete this form if you already have current dental insurance with the district
Health Insurance Enrollment/Change form
Additional things you may want to consider updating if you've experience a life event:
•
Flexible Spending form – Health Care Account and/or Dependent Care Account. Must be returned within 30 days of birth or adoption
•
Life Insurance Beneficiary Change form Group Name: South Washington County Schools
Group No: 147018
• W-4 Employee’s Withholding Allowance Certificate - Please work with your payroll specialist to make changes to your withholdings
• TRA or PERA Beneficiary form - Please work directly with
TRA or
PERA to make changes