When you enroll in benefits, your elections remain in effect to the end of the calendar year and you cannot make any changes until the next Open Enrollment period.  However, if you experience a qualified family status change during the calendar year, a special enrollment period may allow you to make a benefit change that corresponds with the status change. 

Employees are responsible for notifying the Office of Human Resources in writing within 30 days of most events. The employee must complete and return the Benefits Election/Change Summary Form #3075 and applicable benefit forms if the event has affected or will affect their coverage.  Based on your elections, the applicable payroll deductions will be processed. 

Life events listed below may not apply to every benefit plan:

  • Legal martial status.  Marriage, death of spouse, divorce, legal separation or annulment.
  • Number of dependents. Birth adoption, placement for adoption or death of a dependent.
  • Employment status. Commencement or termination employment  by employee, spouse, or dependent.
  • Work schedule. Switch between part-time and full-time work, and vice versa, commencement of or return from an unpaid leave of absence, or an increase or decrease in hours of employment by employee, spouse or dependent.
  • Dependent status. Either satisfying or ceasing to satisfy the age or other requirements to qualify as a covered dependent under the plan.
  • Resident or work site. Change in employee, spouse, or dependent resident that result in loss of coverage.
  • Domestic relations order.  A court order resulting from divorce, legal separation, annulment, or change in legal custody that require medical coverage for the employee's child under the employee's medical plan, or can end contributions for the child if the order requests the employee's former spouse to provide the coverage.
  • Medicare and Medicaid.  The employee, your spouse or dependent gains or loss Medicare or Medicaid eligibility.


Special Enrollment under HIPAA

If you decline coverage for yourself and/or your dependents (including your spouse) because you are covered under another health plan, you may, in the future, be able to enroll yourself and/or your dependents in the plan if you experience an involuntary loss of that coverage (e.g., spouse loses his/her job, divorce) or if the employer stops contributing towards the coverage.  However, you must request enrollment within 30 days after your other coverage ends or after the employer stops contributing towards the other coverage.

In addition, if you have a new dependent as a result of marriage, birth, adoption or placement for adoption, you may be able to enroll yourself and/or your dependent(s). However, you must request enrollment within 30 days after the marriage, birth, adoption or placement for adoption.

If you or a dependent is covered under a Medicaid or CHIP plan and coverage is terminated as a result of the loss of eligibility for Medicaid or CHIP coverage, you may be able to enroll yourself and/or your dependent(s).  However, you must request enrollment within 60 days after the date eligibility is lost.

If you or a dependent becomes eligible for premium assistance under an applicable State Medicaid or CHIP plan to purchase coverage under the group health plan, you may be able to enroll yourself and/or your dependent(s).  However, you must request enrollment within 60 days after you or your dependent is determined to be eligible for State premium assistance.  Please note that premium assistance is not available in all states. 

For more information about CHIP, call 1.888.988.6300 or link to Michigan Department of Community Health.

Questions? Email benefits@ltu.edu


Limitations
Lawrence Tech in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. Although the university has elected to provide these benefits this year, no individual has a vested right to any of the benefits provided. Nothing in these materials gives any individual the right to continued benefits beyond the time the university modifies, amends, or terminates the benefit. Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university's right to modify, amend or terminate them.

Every effort has been made to ensure the accuracy of the benefits information in this site. However, if any provision on the benefits plans is unclear or ambiguous, the Office of Human Resources reserves the right to interpret the plan and resolve the problem. If any inconsistency exists between this site and the written plans or contracts, the actual provisions of each benefit plan will govern. Lawrence Tech in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents.