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When Two Members of a Household Work for
UM
Enrollment as a New Hire
One Year Anniversary Enrollment
Lapse in Appointment
Newly Acquired Dependents Under All Three
Options
When
Two Members of a Household Work at UM and/or a Family Member
has UM Benefits as a Retiree
If
you and your spouse or other qualified adult are both
employed by the University, when you enroll in benefits,
keep in mind:
- You
and your spouse cannot be covered as both an employee
and a dependent under the Dental Plan.
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You can select a different dental plan option, and you
may add your dependents to either person's coverage, but
not to both.
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Each parent can enroll in different dental plan options,
and each of them can enroll a different child under their
coverage, but both cannot enroll the same child.
Under
your University of Michigan dental coverage, you cannot
cover:
- Anyone
who works for or is retired from the University and has
his or her own University dental coverage; or
-
Any dependents who are already covered by any individual
who works for or is retired from the University, or is
eligible for benefits as a UM employee.
The
plan will have the right to request a refund in the event
overpayment has occurred because benefits paid under two University
contracts are used to cover the same patient. View Refund
to the Plan for Overpayment of Benefits for more information.
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Enrollment as a New Hire
Eligible faculty and staff members may
enroll in Dental Plan Option 1,
Option 2, and Option
3 as a new hire at the University of Michigan.
- The employee pays the full cost of Options
1, 2, and 3 during your first year of employment at
the University.
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The University will begin contributions toward the cost
of your dental coverage equal to the cost of Option
1 on your one-year anniversary.
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Enrollment for one of the three plans must occur within
30 days of your service date or the date the appointment
was put online by Human Resources Records and Information
Services (HRRIS).
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You many enroll your eligible dependents at the time
you first enroll. Dependents who are eligible but were
not enrolled at the time of your original effective
date can be enrolled on your one-year anniversary or
during the annual Open Enrollment period, which usually
occurs in October.
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One
Year Anniversary Enrollment
The
University will begin contributions toward the cost of your
dental coverage equal to the cost of Option 1 on the first
full pay cycle following your one-year anniversary.
Your
enrollment options and the selections you can make at the
time of your one-year anniversary depend upon a number of
factors, including whether you already enrolled in the
Dental Plan at your own expense during your first year of
employment.
You
will be notified by the
Benefits Office shortly before your anniversary date and
will have 30 days to complete your enrollment as listed below.
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Lapse
in Appointment
If you experience a lapse in appointment, please contact
the HR/Payroll Service Center for dental enrollment information.
A leave without salary or a layoff (Reduction in Force)
does not constitute a lapse of appointment; therefore,
dental coverage may be continued at your own expense during
such period.
When you return from a leave without salary
or layoff, the Benefits Office will attempt to automatically
re-enroll you in the Dental plan. However, it is your
responsibility to check your pay stub and verify that
re-enrollment has occurred.
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GSIs, GSSAs, and GSRAs
Graduate
Student Instructors (GSIs), Graduate Student Staff Assistants
(GSSAs), and Graduate Student Research Assistants (GSRAs)
are permitted a lapse of eight months; however, following
such a lapse, you must notify the Office of Academic Human
Resources in writing of the return within sixty (60) days
of the beginning of the term and request reinstatement
of your dental coverage.
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Fellowship or Detached Study
The University will provide special handling of dental
coverage for any faculty or staff member who has accepted
a prestigious fellowship or who has been approved for
detached study by Rackham Graduate School. If the faculty
or staff member was eligible for dental coverage before
the fellowship or detached study, and as a result has
a lapse of more than eight months in employment, the University
will waive the new waiting period requirement.
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Newly Acquired Dependents Under All Three Options
Newly acquired dependents — such as a newborn child, a new husband or wife,
or a new other qualified adult — may be added to your
coverage within 30 days of your acquiring the new dependent.
Coverage is retroactive to the date the dependent is acquired
and you will be charged your portion of any required retroactive
premium involved.
For eligible participants
who enroll in Option 1 as a new hire (which you pay for during
your first year of employment), dependents must be added to
or removed from your coverage within 30 days of the qualifying
event (birth of a child, marriage, divorce, etc.). The 30
days is required by the IRS under the premium conversion regulations
that allow payment for Option 1 coverage to be deducted from
your salary on a pretax basis.
After the first year of employment,
new dependents may be added prospectively to Option 1 by flex
or non-flex eligible participants at any time because the
University pays the cost and no pretax issues are involved.
Note
It is in your best interest to add dependents as soon
as possible. If you delay, (1) you may experience claim problems
and, (2) if applicable, will be charged your portion of required
premiums for the retroactive period of coverage.
Option 2 and Option 3
If you choose Option 2 or Option 3, any new dependents
you wish to enroll must be added within 30 days of your acquiring
the new dependents.
The change must be reported to the HR/Payroll
Service Center within 30 days of the event.
If you do not
report new dependents within 30 days, you must wait to enroll
them during the next available open enrollment period. Coverage
will be effective January 1 of the following year.
| When
You Add New Dependents Within 30 Days |
Coverage
Becomes Effective |
| Your
Spouse |
On
the date of marriage. |
| Your
Other Qualified Adult |
On
the date of eligibility. |
| Your
Newborn Child |
On
the date of birth. |
| Your
Adopted Child |
On
the date of direct placement for adoption or finalization
of adoption, whichever is first. |
| Your
Stepchild |
When:
- the child becomes your stepchild by marriage;
and
- the child resides with you; and
- the child is dependent upon you.
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| Your
Other Qualified Adult's Child |
When:
- the child
becomes part of your household ; and
- the child resides
with you; and
- the child is
dependent upon you or your other qualified adult.
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