Marriage by patrickoquinn

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									                                                                                                                                                                        Life Events

                                                                                                                                      Marriage
                                                                                               Benefit Choices & Considerations for Your Recent Life Event


if You’re an nCFlex participant:              YOuR state BeneFit deCisiOns
Contact your Health Benefits Representative
(HBR) or benefits department and make         Congratulations! Getting married is a major life event that may require you to make multiple changes to your benefits. The following
coverage changes within 30 days of your       chart lists considerations by benefit and action steps you should take.
family status change. Online enrollment
participants may make changes online.         FOR:               COnsideR these OptiOns:                                          take these aCtiOns:
• The changes you request must be             state              • Add your legal spouse to your coverage (you may change your    Form enrollment
   consistent with your life event and        heaLth pLan          coverage tier).                                                1. Complete the Change Form and Prior Health Coverage
   you may be required to provide                                • Add newly acquired eligible dependents to your coverage           Information Form if you are adding a spouse and/or other eligible
   documentation to your HBR.                                      (you may change your coverage tier).                              dependents. Forms may be found on www.shpnc.org under
                                                                                                                                     Important Forms, Update Your Information or request one
• Some benefit changes may be subject to                         • Drop coverage if enrolling in your spouse’s benefit plan.         from your HBR.
  a waiting period or Evidence of                                • Update your information (name and/or address).                 2. Submit the completed forms, along with a copy of your
  Insurability (EOI).                                            important note:                                                     marriage certificate, to your HBR within 30 days of the life
• The effective date of your status                              If adding your spouse or dependents, obtain proof of prior          event. Failure to do so within 30 days may result in a waiting
                                                                 or current health coverage.                                         period or penalty.
  changes will be the first day of the
  month following the date you sign the                                                                                           Online enrollment
  Family/Employment Status Change                                                                                                 1. Notify your HBR and submit a copy of your marriage certificate
  Form or the date you complete your                                                                                                 to your HBR within 30 days of the life event. Your HBR will
  enrollment online.                                                                                                                 create an enrollment event so you may make changes online.
                                                                                                                                  2. If you are adding a spouse and/or eligible dependents,
• When canceling benefits, coverage                                                                                                  complete the Prior Health Coverage Information Form found
  continues through the end of the                                                                                                   on www.shpnc.org under Important Forms, Update Your
  month, provided there are adequate                                                                                                 Information and submit the form to your HBR.
  payroll deductions to cover the
  premium costs. Flexible spending            nCFLex             • Add coverage for yourself, legal spouse and eligible           Form enrollment
                                              dentaL               dependents.                                                    1. Complete the Family/Employment Status Change Form found
  accounts end on the termination/loss of                                                                                            on www.ncflex.org under Resources, Forms.
                                                                 • Drop coverage if enrolling in your spouse’s dental plan.
  coverage date, or the last month a
                                                                                                                                  2. Submit the completed form and a copy of your marriage
  contribution was payroll deducted.                             important notes:                                                    license to your HBR within 30 days of the life event.
                                                                 • If you participate in the High Option plan, your newly added
                                                                   eligible dependents will have a 12-month waiting period for    Online enrollment
                                                                   Type IV (orthodontic) services.                                1. Log onto www.ncflexonline.org and click on My Account.
                                                                 • You may not change your dental option (for example, Low        2. Select Add Life Status Change Event and select the appropriate
                                                                   to High Option).                                                  event from the drop down menu.
                                                                                                                                  3. Follow the instructions displayed to complete the transaction.
                                                                                                                                     This transaction opens the website for 30 days for benefit
                                                                                                                                     changes from the date of your life event.
www.ncflex.org                                                                                                                    4. Submit a copy of your marriage license to your HBR.
                                                                                                                                                                               Life Events
                                                                                                                                                                            Marriage
                                                                                                Benefit Choices & Considerations for Your Recent Life Event

a Few things                                FOR:                COnsideR these OptiOns:                                                take these aCtiOns:
tO COnsideR:                                nCFLex              • Add coverage for yourself, legal spouse and eligible                 Form enrollment
• Do you want to change your name?          VisiOn CaRe           dependents.                                                          1. Complete the Family/Employment Status Change Form found
  Contact the Social Security                                   • Drop coverage if enrolling in your spouse’s vision plan.                on www.ncflex.org under Resources, Forms.
  Administration or visit www.ssa.gov                                                                                                  2. Submit the completed form and a copy of your marriage
  for information on getting a new                              important note:                                                           license to your HBR within 30 days of the life event.
  Social Security card. Remember to                             • If you cancel your coverage, you will have to wait an
  check and/or change other forms of                              additional two years before you re-enroll in the plan.               Online enrollment
                                                                                                                                       1. Log onto www.ncflexonline.org and click on My Account.
  identification as well (i.e., driver’s
                                                                                                                                       2. Select Add Life Status Change Event and select the appropriate event
  license, passport, credit/debit cards,                                                                                                  from the drop down menu.
  insurance cards, etc.)
                                                                                                                                       3. Follow the instructions displayed to complete the transaction.
• Do you want to change your mailing                                                                                                      This transaction opens the website for 30 days for benefit changes
  address? Contact your HBR and/or                                                                                                        from the date of your life event.
  payroll office. Remember to notify                                                                                                   4. Submit a copy of your marriage license to your HBR.
  your local post office about your new
  address and/or name change.               nCFLex       • Add coverage for yourself, legal spouse and eligible dependents.            Form enrollment
                                            suppLeMentaL • Drop coverage if enrolling in your spouse’s supplemental                    1. Complete the Family/Employment Status Change Form found
• Do you need to make changes to            MediCaL        medical plan.                                                                  on www.ncflex.org under Resources, Forms.
  direct deposit forms, bank account                                                                                                   2. Submit the completed form and a copy of your marriage
  information and/or income tax                                 important notes:                                                          license to your HBR within 30 days of the life event.
  withholding (W-4 form) on your                                • Your monthly cost is based on your age, and if applicable your
  paycheck? Contact your HBR and/or                               spouse’s age, on the effective date of your coverage.                Online enrollment
  payroll office. You may also want to                          • Your or your family’s pre-existing conditions are not covered        1. Log onto www.ncflexonline.org and click on My Account.
  consult a tax professional regarding                            for 12 months after the date of the Certificate of Coverage.         2. Select Add Life Status Change Event and select the appropriate event
  your withholding allowances.                                  • Annual physical exams are not covered for the first six months.         from the drop down menu.
                                                                                                                                       3. Follow the instructions displayed to complete the transaction.
• Do you want to update your estate                             • If you or your spouse/dependents are eligible for Medicaid,             This transaction opens the website for 30 days for benefit changes
  documentation, will, power of                                   benefits assigned under the policy are required to be assigned          from the date of your life event.
  attorney and beneficiary                                        back to Medicaid, so this may not be your best choice.
                                                                                                                                       4. Submit a copy of your marriage license to your HBR.
  information? If you don’t have any of
  these, consider contacting an attorney    nCFLex              • Add coverage for yourself, legal spouse and eligible dependents.     Form enrollment
  to prepare them.                          CanCeR              • Change your cancer option.                                           1. Complete the Family/Employment Status Change Form found
                                                                                                                                          on www.ncflex.org under Resources, Forms.
• Does your spouse have benefits                                • Drop coverage if enrolling in your spouse’s cancer plan.
  coverage through his/her employer?                                                                                                   2. Visit www.ncflex.org for the EOI form.
                                                                important notes:                                                       3. Submit the Family/Employment Status Change Form, EOI
  You may want to compare your                                  • If you or your spouse/dependents are eligible for Medicaid,
  spouse’s plans to yours to decide                                                                                                       form, and a copy of your marriage license to your HBR within
                                                                  benefits assigned under the policy are required to be assigned          30 days of the life event.
  which coverage is best for your family.                         back to Medicaid, so this may not be your best choice.
  Make sure you receive a HIPAA                                 • EOI will be required if:                                             Online enrollment
  portability certificate when any family                          – you declined cancer coverage when it was first offered            1. Log onto www.ncflexonline.org and click on My Account.
  member terminates from a regular                                    to you and your dependents; or                                   2. Select Add Life Status Change Event and select the appropriate event
  group health plan.                                               – you change to a higher option.                                       from the drop down menu.
                                                                • EOI must be approved within 60 days after form is signed or          3. Follow the instructions displayed to complete the transaction.
                                                                  it is automatically denied. Coverage is effective the first day of      This transaction opens the website for 30 days for benefit changes
                                                                  the month after EOI is approved by the vendor. For example, if          from the date of your life event. Complete EOI information during
                 2                                                you are approved on May 16, coverage is effective June 1, 2007.         enrollment process when prompted.
                                                                                                                                       4. Submit a copy of your marriage license to your HBR.
• Consider reviewing your life insurance
  and disability coverage needs.
                                            FOR:            COnsideR these OptiOns:                                                take these aCtiOns:
• Do you want to change your
                                            nCFLex          • Add or increase your coverage amount.                                Form enrollment
  supplemental retirement plan
                                            aCCidentaL      • Add family coverage.                                                 1. Complete the Family/Employment Status Change Form found
  withholding amount?
                                            deathand        • Drop coverage if enrolling in your spouse’s AD&D plan.
                                                                                                                                      on www.ncflex.org under Resources, Forms. Be sure to
                                            disMeMBeRMent                                                                             complete or update beneficiary information.
• If you participate in any other plans     (ad&d)          important notes:                                                       2. Submit the completed form and a copy of your marriage
  sponsored by your employer (such as                       • If you elect family coverage and a family member suffers a              license to your HBR within 30 days of the life event.
  dental, life or cancer), check with the                     loss, the benefit paid is a percentage of your principal sum.
  plan administrator to see what your                                                                                              Online enrollment
                                                            • If your spouse is an employee of a state agency, university or       1. Log onto www.ncflexonline.org and click on My Account.
  options are and what steps you need                         select community college, only one of you may elect family
  to take.                                                    coverage. An employee may not be covered as, both an                 2. Select Add Life Status Change Event and select the appropriate
                                                              employee and a dependent.                                               event from the drop down menu.
• Please check if your agency, university
  or community college sponsors any                                                                                                3. Follow the instructions displayed to complete the transaction.
                                                            • If you are a pilot or crew member for the State, your benefit is        This transaction opens the website for 30 days for benefit
  additional benefit plans that may be                        limited and the cost is higher.
  impacted by your recent life event.                                                                                                 changes from the date of your life event. Be sure to update
                                                                                                                                      your beneficiary information
                                                                                                                                   4. Submit a copy of your marriage license to your HBR.
                                            nCFLex gROup    • Add or increase your coverage amount.                                Form enrollment
                                            teRM LiFe       • Drop or decrease coverage amount.                                    1. Complete the Family/Employment Status Change Form found
                                                                                                                                      on www.ncflex.org under Resources, Forms. Be sure to
                                                            important notes:                                                          complete or update beneficiary information.
                                                            • EOI will be required if:                                             2. Visit www.ncflex.org for the EOI form.
                                                               – you declined Group Term Life coverage when it was first           3. Submit the Family/Employment Status Change Form, EOI
                                                                  offered to you; or                                                  form, and a copy of your marriage license to your HBR within
                                                               – you increase your existing coverage amount.                          30 days of the life event.
                                                            • EOI must be approved within 60 days after form is signed or          Online enrollment
                                                              it is automatically denied. Coverage is effective the first day of   1. Log onto www.ncflexonline.org and click on My Account.
                                                              the month after EOI is approved by the vendor. For example,          2. Select Add Life Status Change Event and select the appropriate
                                                              if you are approved on May 16, coverage is effective June 1.            event from the drop down menu.
                                                                                                                                   3. Follow the instructions displayed to complete the transaction.
                                                                                                                                      This transaction opens the website for 30 days for benefit
                                                                                                                                      changes from the date of your life event. Complete EOI
                                                                                                                                      information during enrollment process when prompted. Be
                                                                                                                                      sure to update your beneficiary information
                                                                                                                                   4. Submit a copy of your marriage license to your HBR.
                                            nCFLex          • Enroll in or increase your contributions to the account.             Form enrollment
                                            heaLth CaRe     • Drop coverage if enrolling in your spouse’s HCFSA plan.              1. Complete the Family/Employment Status Change Form and
                                            FLexiBLe                                                                                  Convenience Card enrollments forms (if applicable), found
                                            spending        important notes:                                                          on www.ncflex.org under Resources, Forms.
                                            aCCOunt         • Health care expenses incurred prior to your effective date           2. Submit the completed forms and a copy of your marriage
                                            (hCFsa)           under the HCFSA or outside of the plan year are not eligible            license to your HBR.
                                                              for reimbursement.
                                                            • Reimbursement of expenses incurred prior to the change date          Online enrollment
                                                              will be limited to your original account maximum and not             1. Log onto www.ncflexonline.org and click on My Account.
                                                              to the new higher maximum.                                           2. Select Add Life Status Change Event and select the appropriate
                                                            • Consider adding the NCFlex Convenience Card for you and                 event from the drop down menu.
                                                              your spouse/dependents, so you do not have to wait for               3. Follow the instructions displayed to complete the transaction.
                                                              reimbursement.                                                          This transaction opens the website for 30 days for benefit
                                                                                                                                      changes from the date of your life event.
                                                            • Changes to your contribution amount are subject to the
                                                              annual minimum of $120 ($10/month), maximum of $4,200                4. Submit a copy of your marriage license to your HBR.
                                                              ($350/month), and the number of months remaining in the
                                                              year. For example, if change is effective February 1, maximum
                                                              contribution is $3,850 (11 months x $350).
www.ncflex.org
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                                                                                                                                                              Life Events
                                                                                                                                         Marriage
                                                                                            Benefit Choices & Considerations for Your Recent Life Event


YOuR BeneFit deCisiOns
FOR:         COnsideR these OptiOns:                                           take these aCtiOns:
nCFLex       • Enroll in the account (if you add your spouse’s eligible        Form enrollment
dependent      dependents, they must qualify as dependents on your             1. Complete the Family/Employment Status Change Form and
daY CaRe       income tax return).                                                Convenience Card enrollments forms (if applicable), found
FLexiBLe     • Increase your contributions to the account.                        on www.ncflex.org under Resources, Forms.
spending     • Drop or decrease contributions if your new spouse cares         2. Submit the completed forms and a copy of your marriage
aCCOunt        for your child(ren).                                               license to your HBR.
(ddCFsa)
             important notes:                                                  Online enrollment
             • Dependent day care expenses incurred prior to your effective    1. Log onto www.ncflexonline.org and click on My Account.
               date under the DDCFSA or outside of the plan year are not       2. Select Add Life Status Change Event and select the appropriate
               eligible for reimbursement.                                        event from the drop down menu.
             • Reimbursement of expenses incurred prior to the change date     3. Follow the instructions displayed to complete the transaction.
               will be limited to your original account maximum and not to        This transaction opens the website for 30 days for benefit
               the new higher maximum.                                            changes from the date of your life event.
             • The IRS limits a family filing a joint return to a maximum of   4. Submit a copy of your marriage license to your HBR.
               $5,000 of DDCFSA deductions per calendar year. This
               includes your new spouse’s employer plan contributions.
             • Consider adding the NCFlex Convenience Card for you and
               your spouse/dependents, so you do not have to wait for
               reimbursement.                                                                                                                                       North Carolina
             • Changes to your contribution amount are subject to the
               annual minimum of $120 ($10/month), maximum of $5,000
                                                                                                                                                      State Health Plan
                                                                                                                                                      Teachers’ and State Employees’ Comprehensive Major Medical Plan

               ($416.66/month), and the number of months remaining in
               the year. For example, if change is effective July 1, the
               maximum contribution is $2,499.96 (6 months x $416.66).
state        • Review your beneficiaries.                                      1. Contact the Retirement System to review your beneficiaries.
RetiReMent   • Update your name and address.                                   2. If you wish to change your beneficiary(ies), complete Change
                                                                                  of Beneficiary Form 2C found on www.myncretirement.com
                                                                                  or obtain by calling 1-877-627-3287 (toll free) or 1-919-807-3050
                                                                                  in Raleigh.
                                                                               3. Contact your HBR to update your name and address.




                                                                                                                                                      www.ncflex.org
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