Getting Married :: MPTN Advantage

Getting Married
Benefit	What You Should Know
Medical and Prescription Drug Coverage	If you want to add coverage for your spouse, you must do so within 30 days of your marriage. You must provide marriage certificate and social security number. If you want to add coverage for new eligible dependent children, you must also do so within 30 days of your marriage. You must provide long form birth certificates and social security numbers. If you don’t 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.
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 marriage. 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)	Same as Health Care FSA, above.
Short-Term Disability	Your current coverage continues.
Long-Term Disability — Basic Coverage	Your coverage is unaffected.
Long-Term Disability — Buy-Up Option	Your current coverage continues. You can enroll if you are not already enrolled.
Basic Life Insurance	Your coverage is unaffected. Consider updating your beneficiary designations.
Supplemental Life Insurance	Your coverage continues. You can purchase coverage for yourself if you have not already done so. You can increase coverage for yourself, subject to insurance company approval. You can purchase additional coverage for your new eligible spouse and any new eligible dependent children, subject to insurance company approval. Consider updating your beneficiary designations.
401(k) Plan	If you are eligible to join the plan, you can enroll at anytime. (See “Joining MPTN” within this section.) If you are enrolled in the plan already, you might want to consider increasing your contribution rate, which can be done on a daily basis. You might want to re-evaluate your investment mix. The plan allows you to change your investment directions daily for both your future contributions and your accumulated savings. Your new spouse automatically becomes your beneficiary. You can name someone else as your beneficiary if your spouse provides written, notarized consent.