An employee may elect to enroll himself/herself, spouse, domestic partner and/or children in UC's medical and/or dental plans. All employees will be required to provide documentation (such as birth and marriage certificates) in order for dependents to be covered under UC's medical or dental plans. Refer to the Dependent Verification Process for more information.
For more information or for an enrollment form go to the Benefits web page.
|Spouse*||A person of the same or opposite gender to whom an employee is legally married (for same sex married couples: married in a state that recognizes such marriages.
|Domestic Partner*||A same or opposite gender qualifying domestic partner.|
An employee's natural, step, or adopted child under age 26.
An employee's child of any age if disabled prior to reaching the Plan's limiting age and who is incapable of self-sustaining employment due to being mentally or physically handicapped. The child must meet all of the qualifications of a dependent as determined by the IRS.
Other children under the Plan's limiting age may be eligible for coverage if an approved court order or legal guardianship exists.
If an employee is under a court order to provide health insurance for a dependent (such as a court order to provide child support), the employee must enroll that child in dependent coverage.
For medical coverage only: Adult children age 26 or 27 may be eligible for coverage if they meet the requirements of State of Ohio H.B. 1. Under Ohio state law, the adult child must be unmarried and:
- the natural child, stepchild, or adopted child of the employee;
Coverage begins at 14 days of life for the Personal Accident Insurance Plan. For more information go to Life and Accident Insurance.
|Spouse||A person of the same or opposite gender to whom an employee is legally married (for same sex couples: married in a state that recognizes such marriages).|
|Domestic Partner||A same or opposite gender qualifying domestic partner.|
|Child||An employee's unmarried natural, step, or adopted child under age 19. Children may be continued beyond age 19 if a full-time student and the employee's tax dependent (under the age of 25 for AAUP; under the age of 23 for all others). It is the employee's responsibility to notify the Benefits Department when his/her dependent ceases to meet the Plan's definition of eligible dependent.|
UC is sensitive to the rising costs of health care and the verification process is necessary to control premiums and claim costs. Only dependents eligible for coverage according to the plan's eligibility rules will be covered.
The University of Cincinnati requires all new hires and newly eligible employees to provide dependent verification documents upon request.
To find required vital records such as birth certificates, adoption or legal guardianship documentation, death certificates, marriage and divorce records, first contact the Office of Vital Statistics or the County Clerk's office in the state/county in which the event occurred.
To obtain a copy of your tax return, review the information provided by the IRS (Obtaining a copy of your tax return). Please note that while an exact copy of the tax return requires a fee, a transcript available at this site is available free of charge and will suffice for most documentation purposes.
To obtain information related to a student's current enrollment, visit the National Student Clearinghouse.
An employee may cover his/her domestic partner, opposite or same sex, under UC's benefits including medical, dental, life, personal accident insurance, and tuition remission.
To cover a domestic partner, the following criteria must be met:
Financial interdependency may be demonstrated by the existence of at least three (3) of the following to verify domestic partnership:
In order to cover a domestic partner, the employee will be required to complete an Affidavit of Domestic Partnership and provide the documents to verify domestic partnership. Documentation must include dates that substantiate that the relationship and financial interdependency has been in place for at least six (6) months. The employee may download the Affidavit from the Human Resources website.
In addition, the employee is responsible for notifying the Human Resources Department in writing within 30 days of any of the following events:
Once a qualified status change in the domestic partnership occurs and the domestic partner is no longer eligible for coverage, the employee may not cover another domestic partner for at least six (6) months.
To enroll a domestic partner in coverage, the employee will need to select the appropriate level of coverage for himself/herself, children, and domestic partner (i.e., self plus domestic partner, or family plus domestic partner). Please review the enrollment information online.
Both the federal government (through the Affordable Care Act), and the Ohio state government have passed legislation allowing older age children ("adult children") to remain covered under their parents' health insurance coverage. The federal and state laws have different eligibility requirements. The federal law requires plans to extend the eligibility age for adult children to age 26 (through age 25). Under state law, the employee must be allowed to pay for extending coverage for the adult child until the adult child turns 28 (ages 26 and 27).
Additionally, under the federal law, employees are able to enroll adult children in a medical and/or dental coverage. Under the state law, only medical coverage is available to adult children.
Under federal law, the child may be married or unmarried and must:
Under Ohio state law, the adult child must be unmarried and:
Please note that neither the state nor federal law require the adult child to live with or be financially dependent on the parent.
If a dependent ceases to meet Plan eligibility requirements, the employee is responsible for notifying the Human Resources Department within 31 days of the qualified status change. If a dependent's eligibility cannot be verified, that dependent will not be covered for any benefits, including tuition remission, as of the end of the month in which dependent status was last verified.
A monthly spouse or domestic partner surcharge will be added to employee premiums if he/she elects to cover his/her spouse or domestic partner, and he/she is eligible for medical coverage through his/her employer but chooses not to enroll. If the Spouse or Domestic Partner Surcharge is applicable, the employee will indicate this when he/she enrolls for coverage. If no election is made and the employee's spouse or domestic partner is enrolled in medical coverage, the employee will be charged the surcharge.
The Spouse/Domestic Partner Surcharge does not apply if:
The Spouse/Domestic Partner Surcharge does apply if:
The premiums paid by the employee for coverage of a domestic partner for medical, dental, life, and personal accident insurance are paid on an after-tax basis. The premiums for the employee and his/her dependent children for medical and dental insurance will remain on a before-tax basis.
The value of the medical and dental insurance for a domestic partner is considered taxable to you under IRS rules for federal, state, and local taxes. The value (cost) of a self plan minus the premium paid for a domestic partner is the amount on which the employee will be taxed for medical and dental insurance.
For life and personal accident insurance, the premium is paid on an after-tax basis with no taxability of the value of the coverage for a domestic partner. The value of undergraduate and graduate tuition remission for a domestic partner is taxable to the employee. The taxes will be deducted from the employee's paycheck for the undergraduate and/or graduate courses taken.
Flexible Spending Accounts - Additional tax information
Under current federal tax law, domestic partners (other than those who qualify as tax dependents of employees) may not participate in the University's dependent care and health care flexible spending account programs. In other words, medical and dependent care expenses incurred by or on behalf of a domestic partner who is not a tax dependent are not eligible for reimbursement under the spending account programs.
Flexible Spending Accounts - Medical Practice Retainers and/or Access Fees
UC’s flex plan administrator, Chard Snyder, is required to follow IRS Code Section 213(d) to determine medical expenses that are eligible for reimbursement under the Health Care Flexible Spending Account. Medical practice retainers or access fees are not eligible for reimbursement under the Health Care Flexible Spending Account.
|Spouse||A person of the same or opposite gender to whom an employee is legally married (for same sex couples: married in a state that recognizes such marriages).
|Domestic Partner||A same or opposite gender qualifying domestic partner.|
|Child||An employee's unmarried natural, step, or adopted child who is claimed as a tax dependent or, if not a tax dependent, the employee's unmarried child for whom he/she provides more than half of his/her support. The employee is required to submit a Tuition Remission Application and provide proof of dependency once each academic year.|
Not all employee groups are eligible for dependent tuition remission. See Tuition Remission page.
Tuition Remission is only available for graded courses, except full-time equivalent AAUP represented faculty. Employees, spouses, domestic partners and dependents, classified as out-of-state residents for tuition remission purposes, will be subject to a per credit hour fee for all coursework.
Certain limits apply to tuition remission benefits. For example, students who apply for financial aid, such as grants, loans, or scholarships, must contact the Student Financial Aid Office. Keep in mind that tuition remission may affect eligibility for other forms of student aid.
Employees and their spouses, domestic partners, and eligible dependents must maintain satisfactory academic progress to remain eligible for tuition remission.
For spouses, domestic partners, and dependents:
The maximum number of attempted credits, as defined by the Registrar, at the undergraduate level to which full tuition remission benefits may be applied is 144 credit hours. In cases where the minimum number of credit hours required to complete a program is greater than 144 credit hours, tuition remission will cover the minimum number of credit hours required.
Tuition remission benefits for spouses, domestic partners and dependents shall NOT apply for specific programs for the College of Law (JD), College of Medicine (MD and MS in Physiology) and College of Pharmacy (PharmD).
NOTE: Employees who are charged for dropping a course must write to HROneStop@uc.edu to have fees removed. Please include your name and "M" number. Fees will not be removed for any spouse, domestic partner, or dependent.