Becoming Divorced,
Legally Separated or Receiving an Annulment

Benefit What You Should Know
Medical and Prescription Drug Coverage
  • If you are enrolled for medical coverage through MPTN, coverage for yourself continues.
  • If you were covered under your ex-spouse’s plan, you can enroll for coverage through MPTN within 30 days of your divorce, legal separation or annulment.
  • If you do not enroll within 30 days, you must wait to do so until the next annual enrollment, until you have another qualified change in status or until the loss of other employer-provided coverage.
  • If your spouse had coverage through MPTN, his or her coverage ends on the last day of the month of your divorce, legal separation or annulment.
  • Your spouse is eligible for coverage under COBRA.
  • If your children remain eligible as your dependents, their coverage continues or they can be added to your coverage.
  • If your children are no longer eligible as your dependents, their coverage ends on the last day of the month of your divorce, legal separation or annulment.
  • If your children were previously covered, they are eligible for continued coverage through COBRA.
  • In certain cases, your dependent children may be eligible for continued coverage through a Qualified Medical Child Support Order (QMCSO).
Dental and Vision
Coverage
  • Same as Medical, above.
Health Care Flexible Spending Account (FSA)
  • If you are already enrolled, your participation continues.
  • You can enroll, increase, decrease or stop your contributions within 30 days of your divorce, legal separation or annulment.
  • If you don’t enroll or make changes within 30 days, you must wait to do so until the next annual enrollment, until you have another qualified change in status or until the loss of other employer-provided coverage.
Dependent Care Flexible Spending Account (FSA)
  • If you are already enrolled, your participation continues.
  • You can enroll, increase, decrease or stop your contributions within 30 days of your divorce, legal separation or annulment.
  • If you don’t enroll or make changes within 30 days, you must wait to do so until the next annual enrollment, until you have another qualified change in status or until the loss of other employer-provided coverage.
  • You can submit claims for eligible expenses relating to the care of your ex-spouse or children who are no longer your dependents, provided those expenses were incurred prior to your divorce, legal separation or annulment.
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 continues.
  • If your ex-spouse is your beneficiary, he or she will remain so until you designate a new one.
Supplemental
Life Insurance
  • Your coverage continues.
  • You can purchase coverage for yourself if you have not already done so subject to insurance company approval.
  • Coverage for your ex-spouse ends on the date of your divorce, legal separation or annulment. Your ex-spouse can purchase coverage at his or her own expense through the insurance company.
  • If your ex-spouse is your beneficiary, he or she will remain so until you designate a new one.
  • If your children remain your dependents, their coverage continues. If your children are no longer your dependents, they are not eligible for coverage, but you may purchase coverage individually through the insurance company.
401(k) Plan
  • The plan automatically revokes your designation of spouse as beneficiary upon divorce.
  • As a participant in the plan, your ex-spouse may be eligible for part or all of your vested account balance through a Qualified Domestic Relations Order (QDRO).
 
 
 
 
 
 
 
 
 
 

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