When Coverage Ends

The benefit elections that an employee makes when initially eligible or during Annual Enrollment will remain in effect for the calendar year of the election as long as the employee remains an eligible employee of the university.  If employment is terminated either by the employee or the university, the employee's coverage will end.

The table below shows when an employee's coverage under each benefit plan ends if his/her employment were terminated.  It also shows what options the employee has to continue that coverage after termination.

Benefits puzzle piece red circle
Benefit Coverage End Options Available
Dental Insurance Last day of the month in which employment ends COBRA
Employee Life Insurance           
Last day of the month in which employment ends
Portability or Conversion available if elected and premium paid within 31 days of coverage termination.
Family Life Insurance Last day of the month in which employment ends
Portability or Conversion may be available*
Flexible Spending Account
Last day of the month in which employment ends
Contributions may continue to the Health Care Account under COBRA on an after-tax basis.  No claims incurred after termination may be submitted for reimbursement, except if continued under COBRA.
Health Savings Account Last day of the month in which employment ends Account value continues to be available for payment of IRS-qualified medical expenses.
Long-term Care Last day of the month in which employment ends or end of month in which last premium was paid
Billed-at-home policy available
Long-term Disability Last day of active employment              
None
Medical Insurance Last day of the month in which employment ends
COBRA
Personal Accident Insurance Last day of the month in which employment ends
Portability or Conversion may be available.
Vision Insurance Last day of the month in which employment ends None

* Dependent/Family Life Insurance can only be ported if employee coverage is ported.

Have More/Specific Questions?

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