Benefits Eligibility

Full time employees working at least 30 hours per week and their eligible dependents are permitted to participate in Xavier University's benefits program. To be eligible, dependents must reside within the United States and be defined as:

• Your legally married spouse bound by state, federal or international law.
• Your or your spouse’s biological child, stepchild, legally adopted child, child placed for adoption or child for whom you or your spouse are the legal guardian to the child’s 26th birthday.
• Your unmarried disabled adult dependent who lives with you and who is primarily dependent on you for support.
• Children covered under a Qualified Medical Child Support Order (QMCSO).

Proof of dependency is required when newly enrolling dependents and upon request. Examples of acceptable documentation include marriage certificate, birth certificate, adoption decree, court order, signed tax returns and physician’s statement for disabled dependents. Please note, Xavier University reserves the right to request proof of dependency at any time.

IRS Qualifying Life Events

After Open Enrollment, you are not permitted to make a change to your benefits unless you experience an IRS Qualifying Life Event (QLE). If you experience a QLE, you must notify the Office of Human Resources within 30 days of the event to make a corresponding change to your benefit elections.

IRS qualifying life events include, but may not be limited to:

1. Change in marital status (marriage, divorce, annulment or legal separation from a spouse);
2. Birth, adoption or placement for adoption;
3. Court judgments, decrees and orders that require medical coverage for a dependent child;
4. Change in employment status and gain of coverage eligibility under another employer’s plan;
5. Your dependent child no longer meets the eligibility requirements of a dependent;
6. Death of a dependent; or
7. You or your spouse become entitled to (eligible and enrolled in) Medicare.

If you experience a QLE, use these instructions to make the change(s) in BenefitFocus. You will also need to upload documentation of proof of the QLE.

Medicare Eligibility

Being an informed healthcare consumer is being a wise healthcare consumer. If you are Medicare eligible, please take a moment to compare Medicare’s plans with Xavier University’s plans. Enrolling in Medicare may be a more appropriate option for your personal situation than remaining on Xavier University’s healthcare plan. You’ve paid into the system for years in order to earn this affordable healthcare option. On www.Medicare.gov, you will find a Medicare Plan Finder to compare plans, benefits and an estimated cost for each plan based on an average member. Should you have any questions about Medicare, you may reach out directly to our broker partner, HORAN, by email at IHM@horanassoc.com or call (844) 972-0228 to speak with one of their Medicare Specialists at no cost.