Benefits Status Change When Your Dependent Begins Employment and Gains Insurance

Medical/Prescription Drug, Dental and Vision Plans

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 covered by your spouse's insurance. Be sure to check if your spouse's employer requires you to maintain your own insurance at CMU.  Note:  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.

Note:  You must provide documentation from your dependent’s employer plan or insurer stating that your dependent gained eligibility for coverage and the date the other coverage started. 

Life Insurance & Disability Plans

Review who you have named as your life insurance beneficiary(ies). You may want to make a change at this time.  Beneficiary changes can be made at any time throughout the year.

Flexible Spending Accounts

Consider whether to participate in the Flexible Spending Account (FSA) plans.  You may want stop or decrease your Health FSA contribution.  You cannot start or increase your Health FSA contribution.

You may stop or decrease your Dependent Care FSA if your spouse or other eligible individual (OEI) gains eligibility for Dependent Care FSA through his/her employer.  You may start or increase your Dependent Care FSA contributions if you need day care for your qualified dependent(s). 

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.

Be sure to make changes with the CMU Benefits & Wellness Office at 774-3661 or benefits@cmich.edu within 30 calendar days of your dependent obtaining insurance coverage.

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

This summary is not designed to serve as your reference for the details of these benefits. The CMU Choices Flexible Benefits 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 plans or contracts. This summary does not constitute a contract for any benefit.

Other changes you may need to make:

Make adjustments to your Flexible Spending Account(s)