Dependent Loses Eligibility

Certain qualifying events allow you to make changes in benefits that otherwise are not possible until the annual Open Enrollment period. This summary outlines the benefit plan changes you may need to make as a result of your dependent losing eligibility in the plan. You have 31 days from the date of the qualifying event to complete the online change request and provide required documentation. If the change request is not completed within 31 days of the event, you will need to wait until the next Open Enrollment period to make changes.


Complete online benefits change request

Log in to the secure site to complete your benefits change request. Access MyBenefits via the My Resources tab in insideND or visit MyBenefits and login with your University NetID and password.

View the Qualifying Event Guide to help you navigate MyBenefits (PDF).


Additional items to review


When is a dependent’s eligibility lost?

Generally, a dependent’s eligibility to participate in a University benefit plan is lost when the dependent no longer meets at least one of the conditions for eligibility.

Eligibility

The following dependents are eligible for the Medical Plan:

  • Your children up to age 26 who are your natural children, stepchildren, adopted children
  • Disabled children who are unmarried and became disabled prior to age 26, and children for whom you are a court appointed guardian
  • Any child for whom you are required to provide coverage under a Qualified Medical Child Support Order (QMCSO)

The following dependents are eligible for the Dental, Vision, and Dependent Life Insurance Plans:

  • Your unmarried children up to age 19; to age 25 if full-time student (minimum of 12 credit hours)
  • Disabled children who are unmarried and became disabled prior to reaching plan age limit, and children for whom you are a court appointed guardian
  • Any child for whom you are required to provide coverage under a Qualified Medical Child Support Order (QMCSO)

Removing ineligible dependents

If your dependent is enrolled in a University medical, dental, vision, or supplemental life insurance plan and becomes ineligible, you must remove your ineligible dependent(s) from coverage. Coverage will end on the last day of the month following loss of eligibility.

Flexible Spending Account (FSA) contribution adjustments

Expenses for a dependent(s) health care do not qualify for reimbursement from a Flexible Spending Account once the dependent loses eligibility. If you participate in the Flexible Spending Account and you experience the loss of a dependent’s eligibility, you may wish to consider decreasing your contribution amount.


Additional Information

Forms

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