Dependent Spouse and/or Child Loses Insurance

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 spouse and/or child losing insurance coverage. 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

Enrollment change requests are a two-step process:

  • Step 1. Log in to the secure site to process 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).
  • Step 2. If enrolling dependents such as a spouse or child, you must present documentation to the Office of Human Resources to verify each dependent’s relationship within 31 days of experiencing a qualifying event. This step should be completed following successful completion of your online benefits change request. Please review the University’s dependent verification page for a list of acceptable documents.

Required documentation

  • Letter from Employer stating the Termination Date of Benefits
  • One of the following: (if adding a spouse)
    • Government issued Marriage Certificate (if married within last 12 months) – copy OR
    • Government issued marriage certificate and page one of Federal Tax Return within last 2 years – copy (please black out all monetary amounts and Social Security Numbers) OR
    • Government issued marriage certificate and proof of joint ownership issued within the last 6 months – copy
  • Government issued Birth Certificate(s) – copy (if adding dependent children)

Medical/Prescription Drug, Dental and Vision

If you are currently enrolled in a University medical, dental and/or vision plan and a family member loses his/her insurance coverage, you may wish to add your dependent spouse and/or children to your University plan.

If you are not currently enrolled in a University health plan, you may elect coverage for yourself along with your dependent spouse and/or children.

In both instances, you will need to provide a letter from your spouse/child’s employer stating the date his/her insurance coverage was terminated along with the appropriate dependent verification documentation.

Coverage will be effective as of the date of coverage loss through your spouse/child’s employer.

Life Insurance

This is a good time to reevaluate your life insurance coverage and determine whether you would like dependent life insurance for your spouse. You may also choose to update or change your life insurance beneficiary(ies). This change may require that you complete an Evidence of Insurability form.

Flexible Spending Accounts (FSAs)

You may wish to reevaluate your participation in Health Care and Dependent Care Flexible Spending Accounts by signing up now or, if already participating, changing your contribution amount. You may need to increase your Health Care FSA contributions to pay for your spouse and/or child(ren)’s out-of-pocket health care expenses and/or begin, stop, increase, or decrease contributions to a Dependent Care FSA.

Retirement Programs

This is a good time to review your retirement programs, investment elections, and contribution amounts to make sure they reflect your new financial goals. You may wish to update or change your beneficiary(ies) as well.

Additional Information


Send us your comments and questions.