Death Related Status Changes

Medical, Prescription Drugs, Dental, and Vision Plans

As a result of the death of your spouse, you may need to enroll in a medical/prescription drug, and /or dental and/or vision plan if your spouse previously covered you. If already enrolled in CMU's benefits plan, you may need to change from family to two person or individual coverage. You may need to add your children to your benefit plan if your spouse previously covered them. In the event of the death of a child, you need to remove them from your insurance plans.

Life Insurance & Disability Plans

You will need to re-evaluate your current life insurance coverage to accommodate the change in your family structure. If the decedent was covered on your dependent life insurance, they will need to be taken off. You will also need to review who you have named as your life insurance beneficiary(ies).  You can make changes to your life insurance beneficiaries any time.

Flexible Spending Accounts

Consider whether to participate in the Flexible Spending Accounts, or if participating, decide whether you need to change or stop your contributions.

Retirement and Tax Deferred Investment (TDI) Plans

Update your beneficiary(ies) you have listed under these plans. You may want to review your investment elections and contribution amounts under the Tax Deferred Investment Plan to accommodate your new situation. You may choose to begin, increase, decrease or stop contributions due to your new circumstances.

Tax Withholdings

You may consider changing your Federal and State Tax Withholding by completing a new W-4 Forms available on the CMU Payroll website

Be Sure to Make Changes with the Benefits Office at 989-774-3661 within 30 calendar days of the date of death.

**Read: Guide for Qualifying Status Change Events before filing a status change forms.

This summary is not designed to serve as your reference for the details of these benefits. There is a Summary Plan Description for each benefits plan, which is available from the Benefits Office and which contains more complete information about the plan, including important details about limitations on benefits and your legal rights. The actual provisions of each benefit plan will govern if there is any inconsistency between this summary and Central Michigan University's formal plans or contracts. This summary does not constitute a contract for any benefit.

Other changes you may need to make:

Delete spouse and/or dependents off your benefits

Change beneficiary(ies) for Life and Retirement Plans ( Fidelity,TIAA)

Make adjustments to your Flexible Spending Account(s)