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Life Event Changes

Benefit plans can be affected by life event changes, some of which qualify as an official change in status by the IRS (e.g., marriage or birth of a child). Plans not affected by this change are listed at the tab above, "Enroll/Change Benefits."

Generally, when you enroll in benefits as a new employee, your enrollment begins on your date of hire, and you cannot make any changes until the next Open Enrollment period. However, if you experience a qualified change in status, you can make mid-year changes under the law.

Family Change
Birth or adoption Marriage of employee Divorce/legal separation
Domestic partnership Death of spouse/child Change in residence
Dependent care provider or cost  
Dependent Child Change
Marriage of child Student status Reaches age 24
Disabled child age 19 or above No longer meets the IRS financial support test
Employment Status Change
Leave of absence Separate from IU Transfer
Change in non-IU coverage  
Court Order/Government Program Change
Guardianship order Support order Medicaid or Medicare
Examples of Types of Changes You can Make
  • Change the number of people covered under your medical plan
  • Switch from one medical plan to another (only allowed under one circumstance)
  • Enroll in or discontinue your medical plan
  • Change your Personal Accident Insurance coverage level
  • Begin a new or change an existing health or dependent care expense reimbursement account (TSB)

 

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