When Your Dependent Loses Eligibility

Benefit What You Should Know
Medical and Prescription Drug Coverage
  • When a participant loses eligibility, their coverage ends, and the plan will not pay benefits for a participant after his or her coverage has ended. To avoid paying for coverage for a dependent who is no longer eligible, notify Human Resources that your dependent’s eligibility has changed.
  • Your dependents may be eligible to continue coverage, at your own expense and on an after-tax basis, under MPTN COBRA. To do so, they must enroll within the 60-day deadline.
  • In the case of a divorce or legal separation, or when your covered dependent child loses eligibility, you or the affected individual is responsible for notifying the MPTN Human Resources office within 30 days of the event to request enrollment information and elect MPTN COBRA health coverage.
Dental and Vision
Coverage
  • Same as Medical, above.
Health Care Flexible Spending Account (FSA)
  • If the dependent is not eligible for MPTN coverage but is still your dependent, you may still use the FSA to cover their eligible expenses.
Dependent Care Flexible Spending
Account (FSA)
  • Same as Health Care FSA, above.
Short-Term
Disability
 
  • Your coverage is unaffected.
Long-Term
Disability —
Basic Coverage
  • Your coverage is unaffected.
Long-Term
Disability —
Buy-Up Option
  • Your coverage is unaffected.
Basic Life Insurance
  • Your coverage is unaffected.
Supplemental
Life Insurance
  • When a participant loses eligibility, their coverage ends, and the plan will not pay benefits for a participant after his or her coverage has ended. To avoid paying for coverage for a dependent who is no longer eligible, notify Human Resources that your dependent’s eligibility has changed.
401(k) Plan
  • Your coverage is unaffected.

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