[Wesleyan University]

BENEFIT CHANGES

       
           
Medical, Dental & Vision Insurance
   
  Changes During the Annual Open Enrollment Period
        During open enrollment each fall, you may:
      Begin medical, dental and vision insurance coverage.
      Choose a different medical plan.
      Add or terminate dependents from your plan(s)
      Terminate coverage
           
    Changes made in medical, dental and vision insurance during open enrollment will be effective the following January 1.Your current medical, dental and vision coverage will continue during the next calendar year unless you change coverage during open enrollment.  
           
  Qualifying Events  
    Changes cannot be made at times other than open enrollment except during the 30 days immediately following certain changes in family status or when there is a loss of creditable coverage (Qualifying Event)  
   
 

 
                                                                                  Examples of  Qualifying Events
         
   

Family Status Changes

Loss of Creditable Coverage  
       Some common family status changes include:          A loss of creditable coverage may occur if:  
  • Marriage, divorce or legal separation;
  • You or an eligible dependent had health care coverage under another health plan, but lost that coverage;

 
   
  • Birth or adoption of a child;
  
  • You were participating in another plan, but are no longer eligible for that plan; or

 

  
   
  • Death of a spouse or child; or
  
  • You were participating in another plan, but the employer has stopped contributing to that plan.

 

  
   
  • Termination or commencement of your spouse's employment.
      
           
           
           
Life Insurance  
  You may enroll in or cancel your voluntary life insurance plan at any time during the year.
     
    Increasing coverage for yourself or your spouse/domestic partner
       
    In order to be eligible to increase coverage you need to submit evidence of good health by filling out a Personal Health Application, which asks specific questions about your health. If your spouse/domestic partner wishes to increase coverage, they will need to fill out the application, as well.  Once completed, you would be responsible to send the form directly to The Hartford. The Hartford will inform you in writing if your application is accepted.  
       
    Terminating your coverage  
    You are able to cancel your life insurance at any time. If you cancel your coverage and wish to re-enroll in the future, you will be required to complete a Personal Health Application to apply for coverage.