how to write about an event that changed your life

Under the Health Insurance Portability and Accountability Act of 1996 (HIPAA), a special enrollment period for health coverage may be available if you lose coverage under certain conditions or when you acquire new dependents by marriage, birth, or adoption. In order to drop dependents or cancel your U-M coverage, faculty and staff must notify SSC Benefits Transactions within 30 days after the new coverage takes effect by completing and submitting a Benefits Enrollment/Change Form. Canceling the U-M health plan also cancels prescription drug coverage. Your Spouse's or Other Qualified Adult's Open Enrollmentįaculty and staff who have the opportunity to enroll on their spouse’s or OQA’s group health plan may remove their dependent(s) or cancel their U-M health plan coverage at any time during the year. In addition, failure to notify the SSC Contact Center or complete and return a COBRA Notice of Qualifying Event form within 60 days of your dependent’s loss of eligibility will result in forfeiture of COBRA continuation rights. It is especially important to delete any ineligible dependents within the 30-day period to avoid overpaying premiums, because the university will not refund payment for coverage of ineligible dependents. If changes to your benefits occur during the month, cost adjustments are made the following month.

If you do not request a change in coverage within 30 days of a qualifying event, you must wait until the next Open Enrollment period to make changes, which will be effective the following January 1.Īny changes in your deduction amounts due to a change in benefits after a qualified family status change will be reflected in your paycheck.

If you submit a change to remove an ineligible dependent or cancel coverage, changes are effective the first of the following month.

If you submit a change to add a dependent or enroll in coverage within 30 days of a qualifying event, changes are effective as of the event date.

You can make changes during the annual benefits Open Enrollment with changes effective January 1.Certain life events may impact your benefits or allow you to make changes mid-year. When you enroll in benefits, your elections typically remain in effect until the end of the calendar year or until you lose eligibility.

How to write about an event that changed your life