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Full-time and regular part-time employees are eligible to participate in the plan on the first day of employment if that day falls within the first ten days of the month. Otherwise, coverage begins the first day of the month following the first day of employment. New employees must enroll within 31 days of the date of hire if electing coverage.
If a new employee waives medical coverage, he/she will not be eligible to enroll in the future except during an open enrollment period. If the employee waived coverage because he/she was enrolled in another medical plan, he/she will be able to enroll in a medical plan of the University if he/she can provide certification that the coverage was lost through no fault of their own. Outside of Open Enrollment the only circumstance allowing election of coverage is if one experiences a "Qualified Status Change." See page entitled "Qualified Status Change" for examples and compliance rules.
An employee cannot change his/her medical coverage from one plan to another except during the open enrollment period which is in April or May of each year for the new benefit plan year which is June 1 through May 31.
Full-time and regular part-time employees pay their appropriate portion of the premium according to the current rate schedule. Refer to the current applicable rate schedule for coverage levels. Rates are subject to change each plan year.
In the event that the employee's spouse is also employed at the University, he/she should each enroll in individual policies unless there is the need for a family policy.
Qualified Status Change
If an employee drops coverage during the benefit plan year due to a qualified status change, coverage may not be obtained again until the open enrollment period or in the event of a subsequent qualified status change.
Refer to the Retiree Benefits Summary available on the Human Resources Web site under Benefits for information regarding benefits upon retirement.
Spouse of Deceased Employee
For the spouse of a deceased employee, coverage would continue based on the length of service of the employee at the time of death according to the following which includes a contemporaneous COBRA period:
- 0 - 5 years service -- spouse would pay 100% of the total premium rate for 3 years not to extend past age 65
- 6 - 9 years service -- spouse would pay 50% of the total premium rate for 3 years not to extend past age 65
- 10 or more years -- spouse would pay the current employee contribution rate for 3 years not to extend past age 65
Upon termination of medical benefits, eligible employees or qualified beneficiaries will be offered coverage continuation in accordance with the Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1986.
Spouse of Deceased Employee
Refer to the Leaves of Absence Policy for information on benefits continuance during Long-Term Disability or Workers' Compensation leaves.