Life Events and Your Benefits

You can add your spouse and eligible stepchildren to your medical or dental plan with coverage that starts on your marriage date. You can also use this time to change to a different medical or dental plan. Or, you can cancel your coverage under this plan and switch to coverage under your new spouse’s plan.

Note: If you were enrolled in a health care FSA at any point in the current plan year, you can not enroll in the Medica HSA medical plan until the next plan year. 

You can start or increase your contributions to your health care FSA.

Note: If you were enrolled in an HSA at any point in the current plan year, you cannot enroll in a health care FSA until the next plan year.

You can start, increase, or decrease your contribution to a dependent care FSA, depending on your circumstances. For example, if you marry someone with no job or who works part-time and that results in you needing fewer dependent care expenses, you may be able to reduce your contribution. The amount after a decrease cannot be less than the funds used or already contributed, whichever is greater.

• Marriage certificate
• To add additional dependents, refer to the list of required dependent documents above.

Ending Ex-Spouse’s Coverage: Coverage for your ex-spouse following divorce or annulment ends on the last day of the month in which the divorce or annulment is final. You need to cancel coverage within 30 days of the date of the divorce or annulment. If you don't, the family contribution rate will continue to be deducted from your pay, but any services for your ex-spouse will not be covered.

Your ex-spouse may continue group medical and dental coverage under COBRA Continuation of Coverage until the earlier of:

• 36 months following loss of coverage, or
• becomes covered under another group insurance plan.

Your ex-spouse must pay the full cost of coverage plus a 2% administrative charge and complete the form for COBRA coverage within 60 days of the divorce.

Changing Your Coverage: You can change your coverage to a different medical or dental plan at this time.

Adding Coverage for Yourself: You can enroll yourself in medical and dental coverage if you were enrolled in your ex-spouse’s plan, but lost coverage under that plan as a result of the divorce, annulment, or legal separation (depending on the terms of that plan).

Note: If you were enrolled in a health care FSA at any point in the current plan year, you can not enroll in the Medica HSA medical plan until the next plan year. 

You can start, increase, decrease, or stop contributions to a health care FSA. The amount after a decrease cannot be less than the funds used or already contributed, whichever is greater.

Note: If you were enrolled in an HSA at any point in the current plan year, you cannot enroll in a health care FSA until the next plan year.

You can start, increase, decrease, or stop contributions to a dependent care FSA. The amount after a decrease cannot be less than the funds used or already contributed, whichever is greater.

Spouse life insurance coverage ends on the last day of the month in which the divorce is final.

For information on how to change the beneficiary designation, visit our Manage Your Beneficiary Designation page.

• Divorce decree or declaration of nullity

You can add your child to your medical or dental plan. Coverage starts on the date of birth, adoption, or placement for adoption. You can also add your spouse at this point or change to a different medical or dental plan.

Note: If you were enrolled in a health care FSA at any point in the current plan year, you can not enroll in the Medica HSA medical plan until the next plan year. 

You can start or increase contributions to a health care FSA.

Note: If you were enrolled in an HSA at any point in the current plan year, you cannot enroll in a health care FSA until the next plan year.

You can start or increase contributions to a dependent care FSA.

Depending on your employment classification, you can use parental, sick, vacation, and unpaid time for your leave. More information on planning a medical or family leave is available for Labor Represented and Civil Service staff as well as Faculty and P&A staff. If you need help understanding programs and policies regarding your leave, contact your HR Lead or the LOA team.

Birth

• Birth certificate; or
• Hospital birth record; or
• Naturalization certificate or consular report of birth abroad

Adoption, Placement for Adoption, and Guardianship

• Adoption paperwork (must include indication that document has been filed with the court); or
• Legal guardianship court order

The OHR Contact Center can help you update your employee benefits in the event of a death in the family. The Contact Center can be reached by email at benefits@umn.edu or call 612-624-8647 or 800-756-2363 and select option 1.

The Office of Human Resources will provide a case manager to help you with payouts, return employee property, learn how to continue benefits for family members using COBRA, and other important processes. Reach out to the Contact Center with the deceased’s Social Security Number, date of death, and the next of kin’s name and contact information.

The Contact Center can be reached by email at benefits@umn.edu or call 612-624-8647 or 800-756-2363 and select option 1.

• Death certificate

Your Child Reaches Age 26: Dependent status for your child usually ends when they reach age 26, except in cases of disability, regardless of student status and even if the adult child no longer lives with you. Medical and dental coverage for your child ends on the last day of the month in which they turn 26.

Your child can continue coverage under COBRA Continuation of Coverage for up to 36 months by paying the full cost plus a 2% administrative fee. Contact the Office of Human Resources for the COBRA instructions and application within 60 days of the date your child loses eligibility.

You Reach Age 26: You can start medical or dental coverage if you were a dependent on someone else’s plan and lose your coverage because you turned 26.

Note: If you were enrolled in a health care FSA at any point in the current plan year, you can not enroll in the Medica HSA medical plan until the next plan year. 

Your Child Reaches Age 26: You can stop or decrease contributions to a health care FSA. The amount after a decrease cannot be less than the funds used or already contributed, whichever is greater.

You Lose Dependent Status Under Another FSA Plan: If you were covered under another FSA plan and lose coverage due to loss of dependent status, you can start contributing to a health care FSA.

Note: If you were enrolled in an HSA at any point in the current plan year, you cannot enroll in a health care FSA until the next plan year.

Your Child Reaches Age 13: When your child reaches age 13, you can stop your current dependent care FSA.

If your dependents lose coverage due to age:

• None

If you turn 26 and lose coverage on a parent's plan:

• Letter from former carrier with your name, type of benefit coverage, and date coverage ends; or
• Certificate of creditable coverage with your name, type of benefit coverage, and date coverage ends

You can remove coverage for yourself, your spouse, and/or dependents if other coverage is available under your spouse’s plan. You can also remove coverage for your dependents if other coverage is available under the dependent’s plan.

You can stop or reduce contributions to a health care FSA. The amount after a decrease cannot be less than the funds used or already contributed, whichever is greater.

If coverage is available under your spouse’s or dependent’s plan, you can stop or reduce contributions to a dependent care FSA. The amount after a decrease cannot be less than the funds used or already contributed, whichever is greater.

You can increase contributions to your dependent care FSA if your spouse has new employment or benefit eligibility, but your dependent does not.

• Letter from new employer or carrier with the name of your spouse or dependent, type of benefit coverage, and date coverage starts

You can start coverage or add a spouse or dependents to your medical or dental plan.

Note: If you were enrolled in a health care FSA at any point in the current plan year, you can not enroll in the Medica HSA medical plan until the next plan year. 

You can start or increase contributions to your health care FSA.

Note: If you were enrolled in an HSA at any point in the current plan year, you cannot enroll in a health care FSA until the next plan year.

You can start or increase contributions to your dependent care FSA.

• Letter from former employer or carrier with the name of your spouse or dependent, type of benefit coverage, and date coverage ends; or
• Certificate of creditable coverage from former employer with the name of your spouse or dependent, type of benefit coverage, and date coverage ends
• To add additional dependents, refer to the list of required dependent documents above

You can add or remove coverage for a spouse or dependents. This includes adding coverage for you, your spouse, and dependents if you all were covered under your spouse’s plan but lost coverage once they reduced to part-time. This also includes just adding a spouse or dependents, depending on the situation.

You can also change to a different medical or dental plan at this time.

Note: If you were enrolled in a health care FSA at any point in the current plan year, you can not enroll in the Medica HSA medical plan until the next plan year. 

You can start, increase, decrease, or stop contributions to your health care FSA. The amount after a decrease cannot be less than the funds used or already contributed, whichever is greater.

Note: If you were enrolled in an HSA at any point in the current plan year, you cannot enroll in a health care FSA until the next plan year.

You can start, increase, decrease, or stop contributions to your dependent care FSA. The amount after a decrease cannot be less than the funds used or already contributed, whichever is greater.

• Letter from employer or carrier with the name of your spouse or dependent, type of benefit coverage, and date coverage or subsidy starts or ends; or
• Certificate of creditable coverage from former employer with the name of your spouse or dependent, type of benefit coverage, and date coverage ends
• To add additional dependents, refer to the list of required dependent documents above

This includes when an employer stops contributing to a spouse or dependent’s coverage, or if your coverage ends due to an insurer leaving an Exchange, such as a state’s health insurance marketplace.

You can decrease, waive, or add self or dependent coverage.

Note: If you were enrolled in a health care FSA at any point in the current plan year, you can not enroll in the Medica HSA medical plan until the next plan year. 

No changes permitted.

No changes permitted.

MinnesotaCare or MNsure

• Copy of eligibility or denial notice (in the case of MinnesotaCare or MNsure, the enrollment change must be made within 30 days of the event; however, you have 30 days from the date of the notice to submit the documentation)
• To add additional dependents, refer to the list of required dependent documents above

If your spouse or dependent’s residence or worksite changes to a location outside of the current plan’s service area, making your plan unavailable, you can decrease, waive, or add self or dependent coverage.

Note: If you were enrolled in a health care FSA at any point in the current plan year, you can not enroll in the Medica HSA medical plan until the next plan year. 

No changes permitted.

No changes permitted.

Residence

• Copy of driver’s license with new address; or
• Copy of signed purchase/rental agreement for new residence with the name of your spouse or dependent

Worksite

• Letter from employer with the name of your spouse or dependent, date of the change in worksite, and the new location including zip code

No changes permitted.

No changes permitted.

You can increase or decrease contributions to your current dependent care FSA. The amount after a decrease cannot be less than the funds used or already contributed, whichever is greater.

• Letter from your daycare provider confirming cost change

You can add, increase, decrease, or stop medical and dental coverage for yourself, your spouse, and your child.

Note: If you were enrolled in a health care FSA at any point in the current plan year, you can not enroll in the Medica HSA medical plan until the next plan year. 

You can start, increase, decrease, or stop contributions to a health care FSA. The amount after a stop or decrease cannot be less than the funds used or already contributed, whichever is greater.

Note: If you were enrolled in an HSA at any point in the current plan year, you cannot enroll in a health care FSA until the next plan year.

No changes permitted.

• Copy of eligibility or denial notice (the enrollment change must be made within 30 days of the event; however, you have 30 days from the date of the notice to submit the documentation)
• To add additional dependents, refer to the list of required dependent documents above

You can add medical or dental coverage for yourself, your spouse, or a dependent.

Note: If you were enrolled in a health care FSA at any point in the current plan year, you can not enroll in the Medica HSA medical plan until the next plan year. 

No changes permitted.

No changes permitted.

• Copy of eligibility or denial notice (the enrollment change must be made within 30 days of the event; however, you have 30 days from the date of the notice to submit the documentation)
• To add additional dependents, refer to the list of required dependent documents above

You can add medical and dental coverage for your child. If you previously waived coverage for yourself, you must now add coverage for yourself as well.

Note: If you were enrolled in a health care FSA at any point in the current plan year, you can not enroll in the Medica HSA medical plan until the next plan year. 

No changes permitted.

No changes permitted.

• Copy of eligibility or denial notice (the enrollment change must be made within 30 days of the event; however, you have 30 days from the date of the notice to submit the documentation)
• To add additional dependents, refer to the list of required dependent documents above.

You can add or increase medical and dental coverage for your child. You can also add or increase medical and dental coverage for yourself if you previously waived coverage but are now electing coverage in order to cover your child.

Note: If you were enrolled in a health care FSA at any point in the current plan year, you can not enroll in the Medica HSA medical plan until the next plan year. 

You can start or increase contributions to a health care FSA.

Note: If you were enrolled in an HSA at any point in the current plan year, you cannot enroll in a health care FSA until the next plan year.

No changes permitted.

• Copy of eligibility or denial notice (the enrollment change must be made within 30 days of the event; however, you have 30 days from the date of the notice to submit the documentation)
• To add additional dependents, refer to the list of required dependent documents above