Enrollment & Life Events

Through Flexible Benefits (health, life, and disability insurance or flexible spending accounts), eligible faculty and staff may select a benefits package that best meets their individual needs. 

Note that employees may add dependents to participate in University tuition benefits or enroll and/or make changes under the University’s 403(b) Retirement Plan or 457(b) Deferred Compensation Plan throughout the year.

Annual Open Enrollment

Flexible Spending Accounts (FSA): Annually in November; plan year January 1 – December 31

Flexible Benefits: Annually in May; plan year July 1 – June 30

Changes that can be made during annual Flexible Benefits enrollment:

  • Change to a different health plan option;
  • Enroll in a health, dental or vision plan if you declined coverage previously;
  • Add or remove dependents (i.e. change your coverage level);
  • Drop coverage for health, dental or vision insurance;
  • Change to a different level of disability and/or life insurance.

Enrollment when there are Life Events

Benefits Effective Date

If your hire date is the first day of the month, your benefits will be effective the first day of the month in which you are hired. If your hire date is after the first day of the month, your benefits will be effective the first day of the following month.

Application Process

New hires and/or newly benefitted employees must apply for coverage within thirty days of their benefits effective date. If employees do not enroll during the first thirty days of employment, they must wait for the annual Flexible Benefits Open Enrollment in the month of May to apply for coverage which will be effective July 1. If employees do not enroll in the Flexible Spending Accounts (FSA) Plan during the first thirty days of employment, they must wait for the annual FSA Open Enrollment in the month of November to apply for coverage which will be effective January 1.

COBRA

Coverage under the health, dental, and vision plans terminates at midnight on the last day of the month of separation from employment. Should an employee separate from the University, he or she may continue membership by paying premiums directly to the Insurance Carrier (under COBRA regulations) or by transferring coverage to another employer.

Plan Year

Flexible Spending Accounts: January 1 - December 31

Flexible Benefits (health, dental, vision, life and disability insurance): July 1 - June 30

Qualifying Life Events

Employees are permitted to change coverage elections outside of annual open enrollment if they experience a change in family status, as defined by federal law. A change of status happens when:

  • You marry or divorce;
  • You have or adopt a child;
  • Your spouse becomes employed, loses his or her job (full-time employment) or involuntarily loses medical coverage;
  • Your spouse or your dependent child dies;
  • Your dependents become ineligible for coverage;
  • You or your spouse have a change in job status from full-time to part-time or vice versa;
  • You or your spouse take an unpaid leave of absence;
  • You or your spouse have a significant change in health coverage due to a change in your spouse's employment.

Note: Health insurance carrier changes in your spouse's plan from another employer are not considered family status changes.

Limitations

You have up to 30 days from the date of the event to add/remove a spouse and/or dependent. Benefits will be retroactive to the date of birth, adoption, marriage, or date of loss of other coverage.

Contributions

You will be required to pay the employee portion of the premium for the entire month that includes the event date.

Adding a spouse

Adding a dependent child

  • Family Status and Benefits Change Form
  • Birth Notification with footprints (until the birth certificate is obtained)
  • Copy of Birth Certificate
  • Copy of Social Security Card (upon receipt)
  • Adoption order (if applicable)

Removing a spouse or dependent child

  • Family Status and Benefits Change Form
  • Birth Notification with footprints (until the birth certificate is obtained)
  • Copy of Birth Certificate
  • Copy of Social Security Card (upon receipt)
  • Adoption order (if applicable)

Other changes to consider

Name change

Submit a copy of your social security card (showing your new name) to the UD Payroll & Records Management. Please write your previous/maiden name, along with your employee ID number, on the copy of the card. UD Payroll & Records Management is located at 413 Academy Street, 2nd floor, suite 250 (Fax 831-3255).

Address change

  • Log in to Web Forms through the Central Authentication Service (CAS).
  • Complete the HR Employee Emergency Notification web form. Once the information is updated in the University's human resource information system, it will be electronically transmitted to your health, prescription drug, dental and vision benefit providers.
  • To update your information with the retirement investment companies, please call Fidelity- 800-343-0860 and/or TIAA-CREF- 800-842-2776.

Change tax withholdings

If you wish to change the amount that is withheld from your pay, please log in to Web Forms through the Central Authentication Service (CAS) to complete a PAY W4 Form.

Update beneficiaries

Different beneficiary designation forms are required for your UD life insurance, 403(b)/457(b) and Delaware Employees' Pension Plan.  Please review the following information to update your beneficiaries.

Life insurance

You may want to consider purchasing Group Life Insurance or Dependent Group Life Insurance for your spouse and child or changing the amount of life insurance you currently purchase for yourself.