Dependent Enrollment

If you enroll dependents in the Healthcare Plan, you are required to submit additional proof documentation with your enrollment. Please see the list of proof document requirements. Once you make your annual plan year elections, you will not be permitted to change your election during the plan year unless you experience a qualifying life event in accordance with the Archdiocese of Cincinnati Cafeteria Plan. Coordination of benefits rules apply if you have dependents enrolled with other coverage. 

Qualifying Life Event

Because your Cafeteria Plan employee contributions and FSA contributions are made on a pretax basis, it is important that you make your elections during your enrollment period carefully because you can only make changes during the year if you have a qualifying life event according to IRS regulations listed below.
Changes to your Medical, Dental or Flexible Spending Account can be made if preceded by a documented qualifying life event and if they are made within 30 days of the event. Your change must be consistent with your life event/status change. The following events qualify for a change in coverage:

• Marriage
• Divorce or legal separation
• Birth or placement for adoption of a child

• Death of a dependent
• Ineligibility of a dependent
• Loss of other coverage
• Change in your employment status or that of your spouse
• Significant change in health coverage attributable to your employment or that of your spouse
• A court order
• Entitlement to Medicare or Medicaid

To make a change to your medical or dental benefits or flexible spending account, you must experience a qualifying life event in accordance with IRS regulations.

If you experience one of these events and want to change your benefits, you must make the change within 30 days after the event occurs. Changes cannot be made before the event occurs. If you miss the window for making a change, there are no exceptions and you must wait to make an election during the next annual open enrollment period.