Page 3 - Future Steps
P. 3
Life Events During the Year
With before-tax contributions, you can ONLY change your coverage
during the year if you have a change in family status as deined by current
IRS regulations, sometimes known as a “qualifying event.” Changes in
family status include:
Birth, adoption, or the placement of a child for adoption
Marriage
Divorce or legal separation
Death of a dependent
A dependent’s loss or gain of eligibility for other coverage
A change in employment status for you or your spouse
Enrollment in Medicare or Medicaid by you or your spouse
A court order requiring you to cover an eligible dependent
Any change in coverage must be consistent with your eligible change in
family status. For example, if you have a baby, you may add your child to
your medical coverage; you may not remove your spouse from coverage
because of the birth of your child.
You will have 31 days from the date of the qualifying event to change
your beneits. If you miss the deadline, your next chance to make any
changes will be during the next open enrollment period.
If you waive medical coverage for yourself or your eligible dependents
because you have coverage under another plan and later lose that
coverage, you can elect NISC coverage within 31 days upon proof of loss
of your other coverage. In addition, if you waive coverage now but later
gain a new dependent(s) through marriage, birth, or adoption, you may
enroll yourself and your dependents in NISC coverage within 31 days by
providing documentation for the new dependent(s).
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With before-tax contributions, you can ONLY change your coverage
during the year if you have a change in family status as deined by current
IRS regulations, sometimes known as a “qualifying event.” Changes in
family status include:
Birth, adoption, or the placement of a child for adoption
Marriage
Divorce or legal separation
Death of a dependent
A dependent’s loss or gain of eligibility for other coverage
A change in employment status for you or your spouse
Enrollment in Medicare or Medicaid by you or your spouse
A court order requiring you to cover an eligible dependent
Any change in coverage must be consistent with your eligible change in
family status. For example, if you have a baby, you may add your child to
your medical coverage; you may not remove your spouse from coverage
because of the birth of your child.
You will have 31 days from the date of the qualifying event to change
your beneits. If you miss the deadline, your next chance to make any
changes will be during the next open enrollment period.
If you waive medical coverage for yourself or your eligible dependents
because you have coverage under another plan and later lose that
coverage, you can elect NISC coverage within 31 days upon proof of loss
of your other coverage. In addition, if you waive coverage now but later
gain a new dependent(s) through marriage, birth, or adoption, you may
enroll yourself and your dependents in NISC coverage within 31 days by
providing documentation for the new dependent(s).
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