Benefits Status Change When You Get Married

An information series from Central Michigan University's Benefits Department

Medical/Prescription Drug Plan

Review and compare your spouse's benefits with your own so that you can coordinate coverage to your best advantage.  If already enrolled in CMU's benefit plans, you may decide to cancel your CMU coverage and be picked up by your spouse's insurance.  Be sure to check if your spouse's employer requires you to maintain your own insurance at CMU.  Name changes will be done electronically once you have changed it with the university.

If you are already enrolled, you can change your coverage from an individual to a two-person or family plan.  If your spouse has an employer that pays any portion of the cost, he or she is required to be covered by his or her employer's plan.  This rule does not apply to regular faculty members.

Dental & Vision Plans

If you are already enrolled in the dental and/or vision plans, you may enroll your spouse in the same plans.  If you are not already enrolled in these plans, you are not eligible to enroll until the next open enrollment.

Life Insurance & Disability Plans

To be sure you have coverage to accommodate the change in your marital status, you should re-evaluate your life insurance coverage.  You will also need to review who you have named as your life insurance beneficiary (ies).  Changes to your beneficiary (ies) can be made at any time throughout the year.

Flexible Spending Accounts

Consider whether to participate in the Flexible Spending Account plans, or if participating, decide whether you need to change or stop your contributions.  You may want to increase or decrease your Health Care Account contribution to pay your spouse's uncovered health and dental expenses with tax-free dollars.  If you are gaining a dependent, because your spouse has a dependent child or a dependent elderly family member, you may want to begin a Dependent Day Care Account to pay for day care or other allowed expenses.

Retirement and Tax Deferred Investment (TDI) Plans

Update the beneficiary(ies) you have listed under these plans.  You may want to review our investment elections and contribution amounts under the Tax Deferred Investment Plan to make sure they are consistent with any agreements you have made with your new partner about sharing financial responsibilities.  Name changes need to be made with the carrier directly.

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

30-Day Deadline

To make changes to your benefit plans, be sure to complete a Status Change Form and return it to the Benefits Office within 30 calendar days of your marriage.  If you do not make changes within 30 calendar days of the event, you may not do so until the next open enrollment period.

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

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 plan or contracts.  This summary does not constitute a contract for any benefit.

Other change you may need to make: