Content Information
Health and Dental Insurance
If you are granted leave without pay after you exhaust your paid leave, you may continue your insurance through COBRA. If you are on approved FMLA leave, the state’s share will continue until the end of the month your FMLA ends. If your unpaid leave is longer than 30 days, you will
be offered COBRA coverage. Contact your HRA for more information about changes during a non-FMLA unpaid leave of absence greater than 30 days.
Life Insurance
If you are approved for leave without pay, contact your HRA for payment instructions to continue your supplemental life insurance. Premium payments must continue for supplemental life coverage to remain in force in order for you to be eligible for waiver of premium.
Flexible Spending Accounts (FSA)
In general, your contributions to both the health and dependent care FSA cease and coverage stops while you are on an unpaid leave of absence. If you are on FMLA, you may cancel your health or dependent care FSA.
You may also elect to continue your health FSA coverage while on FMLA by making arrangements to pay the contributions due during your leave.
Eligible health expenses may be submitted for reimbursement through the end of the month that you had coverage. Claims may be filed through April 15 of the following year. Direct your detailed questions concerning the FSA program to the FSA Program Administrator at [email protected] or contact ASIFlex at 800-659-3035.
Deferred Compensation
Deductions to the deferred compensation program stop when your paid leave is exhausted. Contributions to deferred compensation can only be made through payroll deductions. You may be eligible to receive income from your deferred compensation account while you are on an unpaid leave of absence. You can apply for an Unforeseeable Emergency Withdrawal.
Workers’ Compensation
Payroll deductions continue for health, dental, life and long-term disability insurance when you supplement workers’ compensation benefits with paid leave. The State of Iowa continues to pay its’ share of your health, dental, life, and long-term disability insurance premiums until your paid leave or your FMLA is exhausted, whichever comes later.
After your paid leave is exhausted, the state may continue to pay its’ share up to an additional four months (excluding Iowa Veterans Home).
If you do not elect to supplement workers’ compensation benefits with paid leave, the state’s share for health, dental, life, and long-term disability insurance may be paid for up to four months or until FMLA is exhausted, whichever is later. At the end of the period, you may continue health and dental insurance coverage through COBRA.
Note: FMLA leave runs concurrently with (at the same time as) a workers’ compensation absence. Your HRA will give you instructions on how to continue your health and dental insurance coverage.