Page 6 - 2019-2020 Country Financial CU Benefit Booklet

Making Changes to the Insurance During the Plan Year continued

3. What if I get divorced?

MEDICAL/DENTAL/VISION INSURANCE: If your spouse and step-child(ren), if applicable, are on your medical, dental and
vision insurance, your spouse and step-child(ren) will lose coverage the date the divorce is final and be offered COBRA. If
you are on your spouse’s insurance and lose coverage, you can elect coverage effective the day following loss of coverage.
These changes must be reported within 60-days of the divorce being finalized.
VOLUNTARY LIFE INSURANCE: If you become divorced, you must cancel Voluntary Life Insurance for your spouse and step-

child(ren), if enrolled.
Necessary documentation: Copy of the divorce decree containing judge’s signature and date. If the divorce decree
requires you to provide medical, dental and vision coverage for your biological child(ren), you must provide a copy of the
page(s) from the divorce decree regarding this. You will need to submit a copy of the divorce decree within 60-days to the
HR Department.
Action Required: You have 60-days from the date of divorce to remove your spouse from your medical, dental, and vision
plan(s), and to elect coverage if you were insured through your spouse, and/or make changes to the Voluntary Life
Insurance. If you do not submit the appropriate paperwork within the 60-day deadline, you may be required to wait until
the annual Open Enrollment to make these changes. Be sure to update your beneficiary designation.
Note: When you remove your ex-spouse from your medical, dental and vision insurance due to a divorce, your ex-spouse will be
entitled to COBRA; paperwork will be sent to the last known address on file, unless you advise the Human Resource Department
otherwise.

4. What if my Spouse has a change in employment, resulting in loss or eligibility of coverage?

MEDICAL/DENTAL/VISION INSURANCE: If your spouse has a change in employment and loses coverage, you may request
to have your spouse, and any other eligible dependent(s) that have lost coverage be added to your coverage. If your
spouse is newly eligible for insurance through his/her employer, you may cancel your current medical, dental and/or vision
coverage or remove covered dependent(s).
VOLUNTARY LIFE INSURANCE: Event does not warrant change to this benefit.
Necessary documentation: Copy of Certificate of Credible Coverage, or letter/document explaining spouse’s loss of health
coverage or new coverage effective date. You will need to submit this document to the HR Department within 30 days of
the event.
Action Required: If you do not submit the appropriate paperwork within 30 days of the event, you may be required to wait
until the annual Open Enrollment to make these changes. Be sure to update your beneficiary designation.

5. What if I move?

MEDICAL/DENTAL/VISION INSURANCE: Event does not warrant change to this benefit.

VOLUNTARY LIFE INSURANCE: Event does not warrant change to this benefit.
Necessary documentation: N/A

Action Required: You must report the change of address to the HR Department within 30 days of the event.

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