Benefits Status Change When Your SPOUSE LOSES His/Her INSURANCE

An information series from Central Michigan University's Benefits Department

Medical/Prescription Drug, Dental, and Vision Plans

When your spouse loses insurance coverage you can enroll in coverage or, if already enrolled, change your current coverage to two-person or family coverage. 

Life Insurance & Disability Plans

You need to review who you have named as your life insurance beneficiary(ies). You may want to change your life insurance beneficiary(ies) at this time. You can make these changes at any time throughout the year.

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. 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 your 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 spouse about sharing financial responsibilities.

Be Sure to Make Changes with the Benefits Office at 774-3661 within 30 calendar days of your spouse losing coverage.

**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.