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Group Insurance Effective Dates of Coverage
Group Insurance Effective Dates of Coverage
Health and Dental Insurance Effective Dates
Overview: Health and Dental Insurance Effective Dates
- Health and dental insurance coverage always begins the first of the month.
- Employees cannot be covered as both an employee or retiree and a dependent under the State’s health and dental insurance plans. You and/or your spouse, dependents cannot be covered under two state policies. See your Human Resources Associate (HRA) for more details.
- Timely notification is required. You must notify your HRA within 30 days after the date of the event (60 days for birth and adoption for health and dental.) If your HRA is not notified in the required time frame, you will not be able to change your benefits until the next open enrollment period.
- If you have questions, contact your HRA.
New Hire (work 20 hours or more a week)
First of the month following one (1) consecutive calendar month in paid status. (For example, if you begin work on June 15, you are covered on August 1.)
NOTE:
- If you go on leave without pay during your first 30 days of employment, you are covered on the first of the month following 1 calendar month in paid status after you return to work. (For example, if you start work on February 1, but take leave without pay and return to work March 15, coverage is effective May 1.)
- If your first day of employment is the first working day of the month, coverage is effective the first of the following month. (For example, if you begin work on October 1, coverage is effective November 1.)
- If the first day of employment is delayed due to state-observed holiday, coverage is effective the first of the following month. (For example, because January 1 is a State-observed holiday and you start work on January 2, coverage is effective February 1.)
Adoption or Placement for Adoption
Birth
Court Ordered, Legal Custody, or Guardianship
Marriage (legally recognized in Iowa)
Common Law Marriage
Domestic Partnership
Death of Spouse
Divorce, Legal Separation, Annulment
Dependent Becomes an Eligible Post-Secondary Full-Time Student
Grievance Settlement
Loss of Other Health Coverage by Employee, Spouse, or Dependent
Non-Benefit Eligible (work less than 20 hours a week) to Benefit Eligible (work 20 hours or more a week)
Part-time (work 20 – 29 hours a week) to Full-time (work 30 hours or more a week)
Promotion, Demotion, Transfer, or Reclassification with a Change in Bargaining Status
Qualified Medical Child Support Order (QMCSO)
Recall
Rehired
Reemployed
Reinstatement
Return from Leave Without Pay
Return from Military Leave
Transfer between Non-Central Payroll and Central Payroll
Transfer from a Board of Regents’ institution to the Executive Branch
Additional information is at Transfer from a Board of Regents’ Institution web page.
First of the month following one consecutive calendar month in paid status from the date of the transfer.
Spouse is a SLIP participant and SLIP eligibility ends (health only)
Health and Dental Insurance Ending Dates
Overview: Health and Dental Insurance Ending Dates
- Health and dental insurance coverage always ends the last day of the month.
- In order for health and dental coverage to continue through the end of the month, the employee must WORK at least one day into the month.
- In most situations, a State observed national holiday is a non-work day.
- You, your spouse, or dependent may be eligible for COBRA. See your HRA for more details.
- If you have questions, contact your HRA.
Termination of employment
Benefit eligible (work 20 hours or more a week) to Non-benefit eligible (work less than 20 hours a week)
Death
Divorce, Legal Separation, Annulment
Marriage (legally recognized in Iowa)
Common Law Marriage
Domestic Partnership Termination
Full-time (work 30 hours or more a week) to Part-time (work 20 – 29 hours a week)
Lay Off
Leave Without Pay Greater than 30 Days
Medicare or Medicaid Eligibility (Employee, spouse or dependents)
Military Leave
Retirement
Spouse or Dependent Is Dropped from Coverage due to a Qualified Life Event
Life and Long Term Disability Insurance Effective Dates
Overview: Life and LTD Insurance Effective Dates
- Life insurance coverage always begins the first of the month.
- If you do not enroll for supplemental term life insurance when first eligible, you will not be able to enroll for supplemental coverage until the annual open enrollment period unless you have a qualified life event during the plan year. In either event, you will be required to provide Evidence of Insurability (EOI) to the life insurance carrier for their review and approval. Coverage will become effective the first of the month following DAS’ receipt of the insurance carrier’s approval, providing EOI is on file with the carrier within 60 days of the qualified life event or last day of open enrollment.
- If you have questions, contact your Human Resources Associate.
New Hire (work 20 hours or more a week)
First of the month following one (1) consecutive calendar month in paid status. (For example, if you begin work on June 15, you are covered on August 1.)
NOTE:
If you go on leave without pay during your first 30 days of employment, you are covered on the first of the month following 1 calendar month in paid status after you return to work. (For example, if you start work on February 1, but take leave without pay and return to work March 15, coverage is effective May 1.)
If your first day of employment is the first working day of the month, coverage is effective the first of the following month. (For example, if you begin work on October 1, coverage is effective November 1.)
If the first day of employment is delayed due to state-observed holiday, coverage is effective the first of the following month. (For example, because January 1 is a State-observed holiday and you start work on January 2, coverage is effective February 1.)
No Evidence of Insurability (EOI) is required when enrolling within the first 30 days of employment.
Adoption or Placement for Adoption
For Increases: Evidence of Insurability (EOI) required and must be on file with carrier within 60 days of the event. Coverage is effective the first of the calendar month following the carrier’s notification of approval to DAS.
For Decreases: First of the month following date of event. EOI is not required.
Birth
For Increases: Evidence of Insurability (EOI) required and must be on file with carrier within 60 days of the event. Coverage is effective the first of the calendar month following the carrier’s notification of approval to DAS.
For Decreases: First of the month following date of event. EOI is not required.
Death of Spouse or Dependent
For Increases: Evidence of Insurability (EOI) required and must be on file with carrier within 60 days of the event. Coverage is effective the first of the calendar month following the carrier’s notification of approval to DAS.
For Decreases: First of the month following date of event. EOI is not required.
Dependent Is No Longer Eligible Because of Age, Student Status or Marital Status
For Increases: Evidence of Insurability (EOI) required and must be on file with carrier within 60 days of the event. Coverage is effective the first of the calendar month following the carrier’s notification of approval to DAS.
For Decreases: First of the month following date of event. EOI is not required.
Common Law Marriage
Domestic Partnership
Divorce, Legal Separation, Annulment
For Increases: Evidence of Insurability (EOI) required and must be on file with carrier within 60 days of the event. Coverage is effective the first of the calendar month following the carrier’s notification of approval to DAS.
For Decreases: First of the month following date of event. EOI is not required.
Grievance Settlement
Marriage (legally recognized in Iowa)
For Increases: Evidence of Insurability (EOI) required and must be on file with carrier within 60 days of the event. Coverage is effective the first of the calendar month following the carrier’s notification of approval to DAS.
For Decreases: First of the month following date of event. EOI is not required.
Part-time (work less than 29 hours a week) to Full-time (work 30 hours or more a week)
Promotion, Demotion, Transfer, or Reclassification with a Change in Bargaining Status
For Increases: First of the month following status change. (Only if eligible to change because of a difference between bargaining unit life benefit offerings.) No Evidence of Insurability (EOI) is required if the increase is made within 30 days of the change. EOI is required if the election is made after 30 days of the event or if the election is in excess of $100,000.
For Decreases: First of the month following status change. (Only if eligible to change because of a difference between bargaining unit life benefit offerings.) EOI is not required.
Recall
Rehired
Reemployed
Reinstatement
Return from Leave Without Pay
Return from Military Leave
Spouse Terminates Employment Resulting in a Loss of Group Life Insurance
For Increases: Evidence of Insurability (EOI) required and must be on file with carrier within 60 days of the event. Coverage is effective the first of the calendar month following the carrier’s notification of approval to DAS.
For Decreases: First of the month following date of event. EOI is not required.
Transfer between Non-Central Payroll and Central Payroll
Transfer from a Board of Regents’ institution to the Executive Branch
Additional information is at Transfer from a Board of Regents’ Institution web page.
First of the month following one consecutive calendar month in paid status from the date of the transfer.
Life and Long Term Disability Insurance Ending Dates
Overview: Life and LTD Insurance Ending Dates
- Life insurance always ends the last day of the month.
- In order for life insurance to continue through the end of the month, the employee must WORK at least one day into the month.
- In most situations, a State observed national holiday is a non-work day.
- When your life insurance coverage terminates, you may be able to continue your life insurance coverage by either porting or converting your coverage. Your Human Resources Associate (HRA) will provide you with the portability conversions guidelines document; you are responsible for contacting The Standard Life and submitting any required information and payment directly to them within the approved timeframe as indicated on the document.
- If you have questions, contact your HRA.