University of Minnesota
Office of Human Resources
http://www.umn.edu/ohr
612-625-2016

Divorce

Notify Employee Benefits of Your Divorce

You must notify Employee Benefits within 30 days of your divorce because this event will affect your ex-spouse's continued eligibility for benefits.

Medical and Dental Coverage

When you are divorced, you need to cancel medical and dental coverage for your ex-spouse no later than 30 days after the date of divorce. Medical and Dental coverage end on the last day of the month in which the divorce is final.

If you do not cancel your ex-spouse from the coverage within 30 days of your divorce, the current coverage contribution rate will continue to be deducted from your pay; however, your ex-spouse will not be covered. To cancel coverage, contact Employee Benefits.

COBRA Continuation Coverage

Your ex-spouse may continue group medical and/or dental coverage under state and federal continuation provisions, commonly referred to as COBRA. Generally, group coverage may be continued until the earlier of 36 months following loss of coverage or until your ex-spouse is covered under another group insurance plan that does not contain an exclusion or limitation for pre-existing health conditions. Your ex-spouse will be billed for the full group rate plus a 2% administrative charge.

To elect continuation of group medical and/or dental coverage, your ex-spouse must complete a Request for Continuation of Coverage form, obtained from Employee Benefits, no later than 60 days after the date of divorce.

Spouse Life Coverage

Spouse life coverage ends on the last day of the month in which the divorce is final.

When you are divorced, spouse life coverage cannot be continued on your ex-spouse, nor can he/she continue the coverage under COBRA continuation. You will need to cancel spouse life coverage within 30 days. Your ex-spouse has the option to convert the amount to an individual insurance policy. Contact Employee Benefits for the form to cancel coverage and information on the conversion policy.

Flexible Spending Accounts

Divorce is considered a significant change in family status and qualifies for a change in election in a health care or dependent daycare flexible spending account. You must make your election change no later than 30 days after the date of your divorce.

Change Beneficiary Designation

Due to the divorce, you may wish to change the beneficiary designation for your retirement plan and life insurance. Contact Employee Benefits for more information.

Questions and Information

To cancel coverage, request forms, or for more information, call 4-UOHR (612-624-8647 or 800-756-2363 ) or send an email to benefits@umn.edu.