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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