Benefits Changes with Birth/Adoption

You can make the following changes to your benefits due to the birth, adoption or placement of your new child.

Within 30 days:

• Add dependent medical or dental coverage
• Add child life insurance
• Add or change the amount in your flexible spending account

Anytime during the year:

• Add or increase your life insurance
• Add or increase short-term disability insurance
• Update beneficiaries on your life insurance and retirement plans

Medical and Dental Coverage

You may add dependent medical or dental coverage within 30 days of the birth, adoption or placement date of your new child. Coverage is effective on the date of birth or adoption. In addition, at this time you can add your spouse/registered same-sex domestic partner who has not been covered under the UPlan.

If you already have family coverage in effect, your new child is covered from the date of birth, adoption or placement in your home.

NOTE: Minnesota Statue 1996, 62A.042 subd2, requires insurance plans to retroactively add newborns to family medical coverage at any time with payment of back premiums.

Child Life Insurance

You may apply for child life insurance in the amount of $10,000 without evidence of good health. If you already have child life insurance in effect, it is not necessary to apply to add your new dependent. The group policy automatically covers each new eligible child when the child is over 14 days old.

Flexible Spending Accounts

You may add a dependent daycare or health care flexible spending account, or increase the amount in an existing flexible spending account within 30 days of the event. The change will take effect the first day of the first payroll period coinciding with or following the date of the birth, adoption, or placement.

Additional Life Insurance

You may add or increase the amount of additional life insurance at any time with evidence of good health for underwriting purposes. Coverage may be purchased in units of $5,000 to a maximum amount of $500,000 or, if greater, five times your annual salary but no more than $1 million.

Short-Term Disability Insurance

You can add or increase the amount of short-term disability insurance at any time with evidence of good health. You may elect an amount up to two-thirds of your monthly salary but not more than $5,000 per month. Short-term disability benefits are payable up to 180 days for any one period of disability.

Long-Term Disability Insurance

If you are eligible for long-term disability, you can add or increase the amount only during the annual Open Enrollment period in the fall. Long-term disability offers coverage if you are continuously and totally disabled for more than six months (180 days).

Change Beneficiary Designation

Due to the change in your family status, you may wish to change the beneficiary designation for your retirement plan and life insurance.

Making Changes

Call 612-624-UOHR (612-624-8647) or 800-756-2363 to reach the Employee Benefits Service Center for information about enrolling online, applying for coverage that requires underwriting, or changing your beneficiary.