Benefits - Mid-Year Benefit Changes

Marriage

• Add spouse to your medical, dental, and vision coverage.^{1, 7} You can change medical plans, but you cannot change dental plans.

• Add newly eligible step-children to your medical, dental, and vision coverage.^{1, 7, 9}

• Cancel medical, dental, or vision coverage if enrolling in your spouse's plan.^{1, 7, 14}

• Enroll or increase Beneflex election (Health Care and/or Dependent Day Care spending account).^{1, 7}

• Enroll or increase your Supplemental Life Insurance (evidence of insurability required).^{1, 4, 7}

• Enroll in Spouse Life Insurance (Evidence of insurability may be required).^{1, 4, 7}

• Enroll in Child Life and/or Child AD&D Insurance, if stepchildren are eligible.^{1, 7, 9}

• Enroll or increase your Supplemental AD&D Insurance.^{1, 7}

• Enroll in Spouse AD&D Insurance.^{1, 7}

• Add Eligible step-children to Child Life and/or Child AD&D Insurance.^{1, 7 9}

• Review (and update, if necessary) your Life Insurance and Retirement Plan beneficiary designations.^{3, 6}

• Add spouse and eligible step-children to your identity theft protection coverage.^{1, 7, 9}

• Update your information (name, address, tax withholding, and bank information).⁵

Child gets married and is covered by new spouse’s coverage

• Remove your child from benefits for which newly eligible.^{1, 7 (marriage cert), 14}
• Cancel Child Life and/or AD&D coverage if coverage will be provided under new plan.^{1, 14}

New Domestic Partnership

• Add domestic partner to your medical, dental, and vision coverage.^{1, 2, 8} You can change medical plans, but you cannot change dental plans.
• Add newly eligible domestic partner's children to your medical, dental, and vision coverage.^{1, 8, 9}
• Cancel medical, dental, or vision coverage if enrolling in your domestic partner's plan.^{1, 8, 14}
• Enroll or increase your Supplemental Life Insurance (evidence of insurability required).^{1, 4, 8}
• Enroll in Spouse Life Insurance (Evidence of insurability may be required).^{1, 4, 8}
• Enroll in Child Life and/or Child AD&D Insurance, if stepchildren are eligible.^{1, 8, 9}
• Enroll or Increase your Supplemental AD&D Insurance.^{1, 8}
• Enroll in Spouse AD&D Insurance.^{1, 8}
• Add eligible stepchildren to Child Life and/or Child AD&D Insurance.^{1, 8, 9}
• Review (and update, if necessary) your Life Insurance and Retirement Plan beneficiary designations.^{3, 6}
• Add domestic partner and newly eligible domestic partner's children to your identity theft protection coverage.^{1, 8, 9}
• Update your information (name, address, tax withholding, and bank information).⁵

Divorce or Legal Separation

• Remove your spouse from your medical, dental, and vision coverage.^{1, 10} You cannot change medical or dental plans.
• Cancel Spouse Life and/or AD&D Coverage.^{1, 10}
• Enroll in medical, dental, and vision coverage if previously covered by your spouse's plan.^{1, 10, 14}
• Review (and update, if necessary) your life insurance and retirement beneficiary designations.^{3, 6}
• Update your information (name, address, tax withholding, and bank information).⁵
• Change home address and phone number with benefits vendors, if applicable.

Termination of Domestic Partnership

• Remove your domestic partner from your medical, dental, and vision coverage.^{1, 8} You cannot change medical or dental plans.
• Cancel Spouse Life and/or AD&D Coverage.^{1, 8}
• Enroll in medical, dental, and vision coverage if previously covered by your domestic partner's plan.^{1, 8, 14}
• Review (and update, if necessary) your life insurance and retirement beneficiary designations.^{3, 6}
• Update your information (name, address, tax withholding, and bank information).⁵
• Change home address and phone number with benefits vendors, if applicable.

Birth or Adoption of a Child

• Add child to your medical, dental, and vision coverage. ^{1, 9} You can change medical plans, but you cannot change dental plans.
• Cancel, medical, dental, and vision coverage if enrolling in your spouse's plan.^{1, 9, 14}
• Enroll or increase your Supplemental and/or Spouse Life Insurance (evidence of insurability required).^{1, 4, 9}
• Enroll or add new child in Child Life and/or Child AD&D insurance.^{1, 9}
• Enroll or increase Beneflex election (Health Care and/or Dependent Day Care Spending Account).^{1, 9}
• Review (and update, if necessary) your life insurance and retirement beneficiary designations.^{3, 6}

Legal Guardianship

• Add child to your medical, dental, and vision coverage.^{1, 9, 15} You cannot change medical or dental plans.
• Enroll or increase your Supplemental and/or Spouse Life Insurance (evidence of insurability required).^{1, 4, 15}
• Enroll or increase Beneflex election (Health Care and/or Dependent Day Care Spending Account). ^{1, 15}
• Review (and update, if necessary) your life insurance and retirement plan beneficiary designations.^{3, 6}

Loss of a Child's Eligibility (e.g., a child reaches maximum age)

• Cancel child from your medical, dental, vision coverage (child will be offered continuation of coverage under COBRA).¹ You cannot change medical, or dental plans.
• Remove Child from Life and/or AD&D; cancel coverage if no other children are covered.¹
• Cancel Beneflex Dependent Day Care Spending Account.¹

Death of a Dependent (spouse/partner or child)

• Cancel person from your medical, dental, vision coverage.^{1, 13} You cannot change medical or dental plans.
• Cancel Spouse/Child Life and/or Spouse/Child AD&D coverage.^{1, 13}
• Decrease or cancel Beneflex Election (Health Care and and/or Dependent Day Care Spending Account).^{1, 13}
• Review (and update, if necessary) your life insurance and retirement plan beneficiary designations.^{3, 6}

Your Coverage Under Your Parent's Policy Ends Due to Age Limit

• Enroll in Benefits that you lost because you reached the age maximum under your parent's benefits.^{1, 14}

You or covered family members have moved

• If you, the employee, has moved out of the Excellus 31-county area - employees actively enrolled in a POS medical plan (only) can move to the BluePPO or HDHP medical plans (only). ¹ No other insurance plan changes are permitted. You must first submit an address update to change your home address in Workday; Changes are not permitted for short-term or temporary moves. Submit a Human Resources ticket via help.rit.edu to begin the process.
• If you, the employee, has moved into the Excellus 31-county area - employees actively enrolled in the BluePPO medical plan (only) can move to a POS medical plan (only). ¹ No other insurance plan changes are permitted. You must first submit an address update to change your home address in Workday; Changes are not permitted for short-term or temporary moves. Submit a Human Resources ticket via help.rit.edu to begin the process.
• If you, the employee, have moved out of the country - employees actively enrolled in medical, dental, and/or vision plan(s) (only) can drop coverage for themselves and any enrolled dependents.¹ No other insurance plan changes are permitted. Employee may not reenroll upon reentry to the country except at Open Enrollment. Sufficient evidence of the event must be provided. Submit a Human Resources ticket via help.rit.edu to begin the process.
• If enrolled dependents have moved out of the country but the employee remains in the country - employees can remove dependents from their active medical, dental, and/or vision plan(s) (only).¹ No other insurance plan changes are permitted. Sufficient evidence of the event must be provided. Submit a Human Resources ticket via help.rit.edu to begin the process.
• If dependents move here from another country and need insurance coverage - employees are permitted to enroll in medical, dental, and/or vision plan(s) in order to cover eligible dependents who have recently arrived to the country, or add the newly arrived dependents to their existing coverage. Employees may enroll in, or increase, a Health Care FSA or Dependent Care FSA. An employee who does not have active coverage must cover the dependents if newly enrolling in a plan due to this event (ex. if not enrolled in dental, the employee must enroll in a 2-person or family dental plan).¹ Sufficient evidence of the event must be provided. Submit a Human Resources ticket via help.rit.edu to begin the process.

RIT employee changes from part-time to full time

• Enroll in medical, dental, vision coverage; eligible family members may be included in enrollment.^{1, 7, 9 for spouse; 1, 2, 8, 9 for DP}
• Employee will be automatically enrolled in Basic Life, Basic AD&D, and Basic LTD.
• Enroll in Supplemental LTD.¹
• Enroll or increase your Supplemental and/or Spouse Life Insurance (evidence of insurability required). ^{1, 4, 7 for spouse; 1, 2, 4, 8 for DP}
• Enroll in Child Life and/or Child AD&D Insurance.^{1, 9}
• Enroll or increase Beneflex Health Care Spending Account election if enrolling in RIT medical, dental, or vision coverage.¹
• Enroll or increase Beneflex Dependent Care Spending Election.¹
• Review (and update, if necessary) your life insurance and retirement plan beneficiary designations.^{3, 6}
• Enroll in legal Services Plan and Identity Theft Protection Coverage.^{1, 7/8, 9}

RIT Employee changes from adjunct to full-time

• Enroll in medical, dental, vision coverage; eligible family members may be included in enrollment.^{1, 7, 9 for spouse; 1, 2, 8, 9 for DP}
• Employee will be automatically enrolled in Basic Life, Basic AD&D, and Basic LTD.
• Enroll in Supplemental LTD.¹
• Enroll or increase your Supplemental and/or Spouse Life Insurance (evidence of insurability required). ^{1, 4, 7 for spouse; 1, 2, 4, 8 for DP}
• Enroll in Child Life and/or Child AD&D Insurance.^{1, 9}
• Enroll in Beneflex Health Care Spending Account and/or Dependent Day Care Spending Account.¹
• Designate your life insurance and, if necessary, update your retirement plan beneficiary designations.^{3, 6}
• Enroll in legal Services Plan and Identity Theft Protection Coverage.^{1, 7/8, 9}

RIT employee changes from full-time to part-time. (scheduled to work +750 hours per year)

• Cancel medical, dental, and vision coverage.¹
• Enroll or cancel Supplemental and/or Spouse Life Insurance.¹
• Enroll or cancel Child Life and/or Child AD&D Insurance.¹
• Reduce or cancel Beneflex Dependent Care Spending Account Election.¹

RIT employee changes from full-time to adjunct.

• Cancel medical, dental, and vision coverage.¹
• Supplemental, Spouse, Child Life and AD&D Insurance, Beneflex, Legal Services, and Identity Theft Protection will be automatically cancelled.

RIT employee changes from part-time to adjunct.

• Cancel medical, dental, and vision coverage.¹
• Supplemental, Spouse, Child Life and AD&D Insurance, Beneflex, Legal Services, and Identity Theft Protection will be automatically cancelled.

RIT employee changes from adjunct to part-time. (scheduled to work +750 hours per year)

• Enroll in medical, dental, vision coverage; eligible family members may be included in enrollment.^{1, 7, 9 for spouse; 1, 2, 8, 9 for DP}
• Enroll in Supplemental and/or Spouse Life Insurance (evidence of insurability required). ^{1, 4, 7 for spouse; 1, 2, 4, 8 for DP}
• Enroll in Child Life and/or Child AD&D Insurance.^{1, 9}
• Enroll in Beneflex Health Care Spending and/or Dependent Day Care Spending Account.¹
• Designate your life insurance, if applicable, and update, if necessary, your retirement plan beneficiary designations.^{3, 6}
• Enroll in Legal Services Plan and Identity Theft Protection coverage.^{1, 7/8, 9}

Spouse/Partner becomes eligible for benefits in another plan (e.g., new employer)

• Remove your spouse/partner from your medical dental, and/or vision coverage.^{1, 14}
• Remove your children from your medical, dental, and or vision coverage if they will be covered under your spouse/partner's new plan.^{1, 14}
• Cancel your medical, dental, and/or vision coverage if you will be covered under your spouse/partner's new plan.^{1, 14}
• Cancel Spouse/Partner and/or Child Life and/or AD&D coverage if coverage will be provided under spouse's new plan.^{1, 14}

Spouse/Partner Loses employment or becomes ineligible for benefits in another plan (e.g., employer coverage)

• Add your spouse/partner and, if applicable, eligible children to your benefits for those benefits that were lost (i.e., you cannot add family members to benefits that were not lost).^{1, 14}
• Enroll in medical, dental, and/or vision coverage if previously not enrolled because you were covered under your spouse/partner’s plan.^{1, 14}

Child becomes eligible for benefits in another plan (e.g., new employer)

• Remove your child from your medical, dental, and/or vision coverage.^{1, 14}
• Cancel Child Life and/or AD&D coverage if coverage will be provided under new plan.^{1, 14}

Child loses employment or becomes ineligible for benefits in another plan (e.g., employer coverage)

• Add your child to your benefits for those benefits that were lost (i.e., you cannot add the child to benefits that the child did not have).^{1, 14}