I recently had a baby girl – Scarlett. No matter how many people warned me, I was not prepared for what it would be like to become a mom…especially those first few weeks. The lack of sleep, hormones and uncertainty in every decision that was made took over my every thought. This is how I almost missed a crucial deadline – the deadline to add Scarlett to my benefits plan.
For those of us fortunate enough to have a benefits plan through our work, we know that having it is invaluable – especially when we need to use it. Typically we are given 30 days from the date of eligibility as a new employee to fill out the forms to become part of the plan. By doing so within this time frame, we avoid having to provide medical evidence. What we tend to forget is that changes in our lives can result in changes to those forms and it is our responsibility to update the insurance company. Understandably, in times of marriage, common-law, and birth of a child, our benefits plans are the last things on our minds. However, if you do not request to have your new spouse (married or common-law) and/or child added to the plan within the 30 days of marriage/common-law or birth then that individual will have to do medical evidence in order to be added. If there are any health issues, certain benefits can be excluded or the individual can be declined entirely.
If it hadn’t been for a small rash requiring a prescription on Scarlett’s 29th day, I would have missed this deadline too. So this is my reminder to all – 30 days goes by fast. Don’t miss your opportunity to easily add your family to your benefits plans.