Working spouse policy
The University’s working spouse policy requires spouses of University employees who have access to employer subsidized (at least 50%) medical and dental insurance to elect that coverage as primary. These spouses are only permitted to have secondary access to University medical and dental insurance policies.
Answers to your questions
What insurance is available to my family if my spouse is employed and the employer pays for at least 50% of the insurance cost?
The University’s working spouse policy requires spouses of University employees to elect their employer’s insurance coverage if it is at least 50% employer subsidized. Spouses can then select secondary medical and dental coverage through the University.
Will the working spouse policy affect my spouse if they are not employed?
Your spouse will not be affected by the working spouse policy. However, if your spouse becomes eligible for medical and dental insurance through their employer during the year, you must notify the Office of Benefits Administration within 30 days to make changes to your enrollment.
What if my spouse’s employer does not pay for at least 50% of the insurance cost?
Your spouse can elect primary coverage through the University. Your spouse’s employer must complete the Working Spouse Form.
How often will I need to complete the Working Spouse Form?
The Working Spouse Form must be completed annually.
What if I don’t return the Working Spouse Form?
Your spouse will not be eligible for University insurance.
What happens if my spouse is enrolled in the University insurance plan, but has access to other insurance and does not elect the coverage?
University coverage will be terminated and claims will be denied or reversed for your spouse retroactively to the effective date.
Does this policy affect my medical coverage?
Yes.
Does this policy affect my dental coverage?
Yes. Delta Dental will request coordination of benefit information from the insured person to verify compliance with this policy after submission of the first claim each year.
Does this policy affect my vision coverage?
No.