Qualifying Life Events
When you can only enroll and make changes to Annually-Selected Benefits outside of Open Enrollment in the following scenarios:
- Within 30 days of your new hire (or newly benefits eligible) date.
- On the Qualifying Life Event date or within 31 days following the Life Event date (eServe will not allow you to input a future date)
- You may only have one Qualifying Life Event open at a time and the effective date is the date of the Qualifying Life Event.
Initiating a Qualifying Life Event in eServe
- On or after the Life Event date, log into eServe to request a Life Event.
- Select the Life Event type (click on Benefit Information > Life Event).
- Enter the event date (must match the date listed on documentation you will provide).
- Email TSS (email@example.com) with required supporting documentation.
- TSS will email you after your documentation submission informing you if your Life Event is approved, or if there are any questions about your request. If approved, your next steps will be:
- Log into eServe to make your benefit elections.
- Click on the green “complete” button to save your new elections.
- Review your next paycheck in eServe to ensure it reflects the changes you requested. Contact TSS immediately if there are any discrepancies.
Please see Life Events Job Aid for details. If you have questions about whether or not your life event constitutes a change in benefits, contact Tufts Support Services (TSS) at firstname.lastname@example.org or 617-627-7000.
You can only enroll or change these benefits within 30 days of your new hire (or newly benefits eligible) date, within 31 days of a Qualifying Life Event, or during annual Open Enrollment. When you change or enroll in these benefits they are set for the full (or remaining) calendar year. Your selections can be viewed and managed in eServe.
- Health Plan
- Dental Plan
- Vision Plan
- Flexible Spending Accounts
- Life Insurance
- Long-Term Disability*
- Legal Service*
* Changes allowed only as a new hire (or newly benefits eligible) or during Open Enrollment.
Enroll or Change Anytime Benefits
You can enroll or change these benefits at any time.
- Retirement Savings Plan (university and self-funded options)
- Tuition Reimbursement and Remission
- Auto and Home Insurance
- Bright Horizons and Nurtury Childcare
- Care.com Child and Elder Care
- Commuter Benefits
- Employee Assistance Program
- Fitness and Weight Watchers Reimbursement
- Health Savings Account (for HDHP health plan enrollees)
- Occupational Health Services
- Pet Insurance
- Real Estate Advantage Program
Changes to Your Marital/Domestic Partnership Status
If you get married, separated, divorced, start a new domestic partnership or end a domestic partnership.
You can enroll in, increase, decrease, or waive your Supplemental Life Insurance coverage. Amounts in excess of the lesser of three times your annual base salary or $750,000 require Evidence of Insurability (EOI).
This may also be a good time to review/change your Life Insurance beneficiary information, which can be found on eServe under “Benefits.”
You can enroll in, increase, decrease, or waive Life Insurance coverage for your spouse or domestic partner in the amount of $25,000 or $50,000. Amounts in excess of the lesser of three times your annual base salary or $750,000 require Evidence of Insurability (EOI).
Your spouse or domestic partner’s insurance amount cannot be more than 100% of your combined Basic and Supplemental Life Insurance coverage amounts.
If you had enrolled your ex-spouse in Dependent Spouse Life Insurance, their coverage will end on the date we receive your Life Event submission.
Your ex-spouse may choose to continue coverage through conversion or portability. For more information about conversion, call Unum at 800-421-0344.
You can enroll, increase or decrease contributions for the Flexible Spending Accounts.
If you have new dependents under age 13 as a result of your marriage, you may enroll in, increase or decrease your current contributions to the Dependent Care FSA.
- Marriage Certificate or Affidavit of Domestic Partnership
- Court Document or Statement of Termination of Domestic Partnership
- NOTE: If you are also changing your name, you must wait for approval of documentation submitted for change in Marital Status before proceeding and a separate Name Change submission of documentation (Social Security Card, passport, or court-issued document) and approval must occur before it is updated to the database.
Coverage for an Ex-spouse
- They were covered by the university’s benefit plans immediately before the divorce, AND
- There is a court order requiring that your ex-spouse and any dependent children continue to receive coverage
Payroll contributions for ex-spouse coverage in the health, dental, or vision plans will be on an after-tax basis in accordance with the Internal Revenue Service regulations.
Since ex-spouses do not qualify as federal tax dependents, the employee cost for covering an ex-spouse will be withheld as an after-tax payroll deduction and the employer-shared cost will be treated as income to the employee.
If you remarry and want to cover your new spouse, your ex-spouse can no longer be covered under any Tufts-sponsored health, dental, or vision plans.
If you request that your ex-spouse be removed from your health, dental, or vision plans, they can continue coverage through COBRA for up to 36 months from the date of divorce.
Once you submit a Life Event change in eServe to remove your ex-spouse from your plan, your ex-spouse and will receive notification of COBRA from EBPA, the university’s COBRA administrator.
For questions about enrollment or billing contact EBPA directly at 888-232-3203.
Coverage for a Domestic Partner
If you are in a committed relationship and not married (Domestic Partnership - DP Affidavit required)
Domestic partners are not tax dependents under federal law. The value of the university and employee contributions for health, dental and vision insurance for a domestic partner and their children is considered taxable.
Depending on your coverage level, this value could be reported on your paycheck as a post-tax deduction and as taxable imputed income. Imputed income is the taxable value of a service or benefit provided by an employer. Contact TSS for paycheck related questions.
If you have any tax questions, please consult your personal tax professional.
You will need to document your domestic partnership with a signed Affidavit of Domestic Partnership (PDF), and meet all of the following criteria:
- You are domestic partners and intend to remain so indefinitely
- Neither of you is married to someone else
- You are both age 18 or older and competent to give this certification and declaration
- You are not related to each other by blood to an extent that would prohibit legal marriage in the state where you legally reside
- You live together in the same residence, have done so continuously for the past six months, and intend to do so indefinitely
- You are jointly responsible for your common welfare and financial obligations
With your affidavit, you will need to provide evidence of your joint financial responsibilities or common welfare, such as:
- Joint mortgage, lease, or title to personal property
- Certificate of Domestic Partnership from your town or county
Change in Family Member's Employment
If your spouse, domestic partner, or other eligible dependent has started a new job, has been notified their employment is ending, or is going on leave.
If you are adding your spouse or domestic partner to your benefit plans, you may also want to enroll them in Dependent Life Insurance. Subject to approval, you may add life insurance coverage for your spouse or domestic partner in the amount of $25,000 or $50,000.
Your spouse or domestic partner’s insurance amount cannot be more than 100% of your combined basic and supplemental life insurance coverage amounts.
This may also be a good time to review your life insurance beneficiary information, which can be found on eServe under “Benefits.”
You may also want to review your beneficiary information for your retirement savings plans — your Tufts University-Funded Retirement Plan and/or your Self-Funded Retirement Plan.
Please contact the company that administers your Tufts retirement plans directly to make changes to your beneficiary information.
- Letter on employer’s letterhead detailing the coverage (medical, dental, vision), which was gained or lost, the reason for the change, the affected members, and the date of the change.
- Open Enrollment documentation from your spouse/Domestic Partner/child's employer indicating coverage gained or lost.
- Letter on school's letterhead for dependents enrolled in a school's health insurance plan and one graduates.
Adding a Child to Your Family
When you add a child to your family by birth, adoption or gaining legal custody or guardianship of a child. Your child’s benefits start as of the date of their birth, adoption, custody or guardianship.
This may also be a good time to review/change your life insurance beneficiary information, which can be found on eServe under “Benefits.”
You can enroll your spouse or domestic partner in dependent Life Insurance. Your spouse or domestic partner’s insurance amount cannot be more than 100% of your combined basic and supplemental life insurance coverage amounts.
- Certificate or statement of birth record letter from the hospital
- Completed Adoption/Custody paperwork