If you and your spouse or grandfathered qualified domestic partner are both in benefit-eligible positions at the College and have dependent children, there are a few things you need to be aware of when making your elections for Accidental Death & Dismemberment (AD&D) and Dependent Life Insurance.
According to the rules of both plans, "no person may be covered both as an employee and a dependent and no person may be covered as a dependent of more than one employee." Thus, if you and your spouse or grandfathered qualified domestic partner are both in a benefit-eligible position your options are listed below.
Options for AD&D coverage would include:
- Both of you would automatically be enrolled in the Basic AD&D coverage, and one of you can elect Voluntary Employee & Children AD&D coverage. The employee who does not elect the Employee & Children coverage can choose to select Voluntary Employee Only coverage. Only one of you would be covered under the Voluntary EE and Children coverage and therefore have coverage for your children. Your spouse or grandfathered qualified domestic partner would be covered under their Voluntary Employee Only coverage.
- In addition to both of you being automatically enrolled in the Basic AD&D coverage, you can both elect Voluntary Employee Only coverage. This would mean that neither of you would have any eligible children to cover, or you are both declining to cover them.
- You can both decline Voluntary AD&D coverage. In this case, you would still both be automatically enrolled in the Basic AD&D coverage.
Options for Dependent Life Insurance coverage would include:
- One employee can elect dependent life coverage and the other can decline coverage. It is important to understand that if you do so, the spouse or grandfathered qualified domestic partner who has not elected dependent life insurance is not covered as a dependent under your plan: they are covered as an employee under the Basic Life Insurance plan, and have the opportunity to elect Supplemental Life as an employee. You would have coverage for your children only in this case.
- You could both decline the Dependent Life coverage.