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FAC/STAFF: Open enrollment ends Tuesday

December 6, 2010


During November all Beloit College benefits-eligible employees were offered the opportunity to enroll in the health, dental or vision insurance plans. Voluntary termination of plan coverage may also be made during this open enrollment period. The effective date for a benefit elected or terminated is Jan. 1. If you do not enroll or terminate coverage during open enrollment, you may only later enroll or terminate under the special circumstances allowed by each plan. 

If you are interested in enrolling, terminating, or changing coverage in the Beloit College insurance plans, please contact Human Resources at ext. 2630, visit its open enrollment web page here, or stop by the HR office at 726 Church Street. 

Forms must be completed and returned by Tuesday (Dec. 7).

Open Enrollment—If you have previously waived coverage for yourself and/or your eligible dependent(s), you may now enroll in any of these plans with coverage effective January 1.  This includes changing coverage to include eligible family members not currently covered. You will be asked to provide a certificate of continuous health care coverage from the current insurance provider, and pre-existing condition limitations may apply if you have not had previous continuous coverage.  During the open enrollment period, you may also drop coverage, or switch from one coverage level to another, such as changing from family to limited family or single coverage. 

Information related to changes in the health, dental and vision plans, including coverage of adult children, can be found on the website under 2011 open enrollment here.

Special Enrollment (for changes during the year)—If you previously waived or terminated coverage for yourself and/or your dependents, you may be able to enroll yourself and/or your dependents due to certain qualifying life events. Special enrollment or change in coverage must be requested within 30 days of the qualifying event. If the change or enrollment does not occur within 30 days of the qualifying event, you must wait until the next Open Enrollment period.  Special Enrollment is allowed for events that affect family or life status.

  • Acquiring new dependents through marriage, birth, adoption, placement for adoption, or court order
  • Loss of eligibility for other coverage due to legal separation, divorce, death, termination of employment or reduction in the number of hours of employment, or exhaustion of extended coverage related to these events
  • COBRA coverage under another plan has been exhausted
  • Employer contributions under the other plan have been terminated

Termination of Coverage—Terminating insurance coverage during the calendar year may be restricted due to the laws governing the Section 125 pre-tax deduction of premiums. Termination may also include changing from a family or limited family plan to a limited family or single plan to reduce the number of dependents covered. The IRS allows termination or change of coverage for family or life status events. 

  • Loss of dependent coverage due to legal separation, divorce, death, or a child’s loss of eligibility due to age or dependent status
  • An employment status change for you or your spouse
  • Entitlement to Medicare or Medicaid
  • Significant change in premium cost
  • To satisfy provisions of a court order

Requests for termination of coverage must be made within 30 days of the qualifying event.  If the request is not made within 30 days of the qualifying event, you must wait until the next Open Enrollment period. Termination of coverage for reasons not qualified by the IRS must also be done during open enrollment to take effect January 1.

If you have any questions about any benefit plans, please call the Beloit College Human Resources Office at ext. 2630.