Benefits Status Change When You Get Married

When you get married you may add or make changes to your benefits coverage. 

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 medical/prescription drug plan, you may decide to cancel your CMU coverage and be covered by your spouse's health 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 medical/prescription drug plan.  Note:  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.

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 dental plan.  Note:  This rule does not apply to regular faculty members.

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.  Marriage allows you to newly enroll in spouse life insurance / AD&D. You can elect up to $50,000 without Evidence of Insurability, provided you do so within 30 calendar days of the date of marriage. 

You should also 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 (FSA) plans, or if participating, decide whether you need to change your contributions.  You may want to increase your Health FSA contribution to pay your spouse's out-of-pocket health care 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 Care FSA to pay for 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 your investment elections and contribution amounts under the Tax Deferred Investment Plan to make sure they reflect your new financial goals.  You can make these changes at any time throughout the year.  Name changes need to be made directly with the retirement plan vendors.

Tax Withholdings

You may consider changing your federal and state tax withholding by completing new W-4 forms available on the CMU Payroll website

30-Calendar Day Deadline

To make changes to your benefit elections, be sure to complete a Status Change Request form and return it to the CMU Benefits & Wellness Office within 30 calendar days of the date of 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.  The CMU Choices Flexible Benefit Plan – Plan Document and Summary Plan Description is available online and contains detailed 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: