Do I have to return the entire divorce decree? Yes. You must submit a copy of the final divorce decree signed by the judge along with the completed Insurance Cancel Request Application.
I am going through a divorce. Can I drop my spouse now? You may not cancel coverage for a spouse or child outside of annual enrollment while a divorce is pending. Filing a divorce is not a special qualifying event. You should not cancel coverage for your spouse or children during annual enrollment while a divorce is pending without first seeking advice from your attorney. If you do try to cancel spouse or children’s coverage while a divorce is pending it is your responsibility to make sure that the termination does not violate any law or court order. If you remove a spouse or child while a divorce is pending and later learn that you have made a mistake or violated a court order, you will not be permitted to re-enroll them on the benefit plans.
What if I don’t have my ex-spouse’s address? Benefits Administration can update the address to that of the ex-spouse’s attorney if the attorney’s address is provided or if it appears on the court order. If neither the ex-spouse’s address nor their attorney’s address is given, Benefits Administration will use the head of contract's address..
I forgot to send my final divorce decree. It’s been over 60 days. What do I do? Send the final divorce decree with an Insurance Cancel Request Application as soon as possible. It will be the employee’s responsibility to reimburse the plan for any claims paid for the ex-spouse after the end of the month when the divorce is final.
Can my ex-spouse get COBRA coverage? Yes, if they are covered on the employee’s insurance plan at the time of the divorce and the divorce decree is submitted within 60 days after it is entered. If you do not notify Benefits Administration of the divorce within 60 days, the ex-spouse will lose the opportunity to enroll in COBRA coverage.
My divorce is final on April 5. When will my ex-spouse’s coverage end? The ex-spouse will remain on the employee’s insurance benefits through the end of the month in which the divorce is filed with the state- here that would be April 30.
Can a stepchild remain on coverage? Stepchildren will be removed with the ex-spouse at the time that the ex-spouse’s coverage terminates.
The divorce decree requires me to continue to carry insurance coverage on my ex-spouse. Can I keep them on the state coverage? No. Even though there may be language in a court order requiring an employee to continue to provide insurance coverage on the ex-spouse or stepchildren, the employee cannot keep them on the state health plan. The employee would be required to find insurance coverage from another source. Once the divorce is finalized ex-spouses and former stepchildren are no longer eligible to remain on state coverage.
I was covered under my spouse’s employer’s insurance, and I’ve lost eligibility for insurance coverage due to my divorce. What do I need to do to get insurance coverage? You will have 60 days from the date of the loss of eligibility to submit an application and proof of loss of eligibility for coverage. You will need written documentation from an employer, former employer, insurance company or former insurance company on company letterhead that lists the names of covered participants; the dates of coverage; the types of coverage lost (medical, dental, vision); each participant who lost eligibility for coverage; the date of loss of eligibility to continue coverage; and confirms that eligibility for coverage was lost.
I am separated from my spouse. Can I enroll in my insurance if I’ve lost coverage under my spouse? Any time you lose eligibility for health insurance you may be eligible for special enrollment in the state plan. These situations are case-by-case depending on the facts and you would need to contact Benefits Administration.
I am going through a divorce. My spouse dropped me during their open enrollment, but my divorce is not finalized. What do I do? Any time you lose eligibility for coverage through your spouse’s plan you may be eligible for special enrollment on the state plan but it depends upon the facts. If your spouse voluntarily drops you during their open enrollment but you are still eligible for your spouse’s plan it is unlikely that you are eligible for special enrollment on the state plan.
I have a final divorce decree that states that my ex-spouse is responsible for our child’s insurance. Will I be able to remove my natural child due to divorce? No. A natural child does not lose eligibility and cannot be removed due to a divorce. Your child would remain on state coverage through the end of the plan year.
I need to remove my spouse due to divorce. Which application do I use? You need to use the Insurance Cancel Request Application. The application should be accompanied by a full and final divorce decree, signed by a judge.
I am newly divorced. I was removed from my ex-spouse’s coverage. Which application do I need to use? You need to use the Enrollment Change Application. The enrollment request should be accompanied by written documentation from an employer, insurance company or former insurance company on company letterhead that lists the names of covered participants; the dates of coverage; the types of coverage lost (medical, dental, vision); each participant who lost eligibility for coverage; the date of loss of eligibility to continue coverage; and confirmation that you lost eligibility for coverage.
I’ve just divorced. My ex-spouse is covered under state insurance as well. What do I need to prove a loss of coverage? You will need to be removed from your ex-spouse’s state insurance coverage. Submit a copy of the full and final divorce decree to Benefits Administration and explain your situation. Benefits Administration will take it from there.
I’ve gotten a divorce and lost coverage on my spouse’s insurance. What do I need to apply for coverage? Do I still need my divorce decree? No. If you have lost eligibility for coverage on your spouse’s insurance, you must submit written documentation from the ex-spouse’s employer, former employer, insurance company or former insurance company on company letterhead that states the names of covered participants; the dates of coverage, the types of coverage lost (medical, dental, vision); each participant that who lost eligibility for coverage; the date of loss of eligibility to continue coverage; and confirmation that you lost eligibility for coverage.