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Qualifying Life Events

Baltimore County Public Schools’ benefits program allows you to choose the benefits you need while providing valuable tax advantages.  Your share of the cost for your benefits is paid with pre-tax payroll deductions.  This means that employee payroll deductions for benefits are not subject to state, federal, and O.A.S.D.I. taxes.

In order to maintain this favorable tax treatment, the Internal Revenue Service (IRS) has established rules that govern our benefits program.  Most importantly, the IRS requires that the benefits you elect remain in effect for the entire Plan Year unless you experience a qualifying life event.

QUALIFYING LIFE EVENTS

The following are considered qualifying life events:
  • Marriage
  • Divorce
  • Death of a spouse
  • Legal separation
  • Birth or adoption of a new child  (Please note: children must be added to your coverage even if you already have family coverage.)
  • Loss or gain of non-BCPS coverage by the employee’s spouse or domestic partner
  • Loss or gain of coverage due to a change in employment status (i.e., switching from part-time and full-time, commencement or return from an unpaid leave of absence)
  • Loss of dependent child status (i.e., dependent has reached age 26)
  • Eligibility for Medicare or Medicaid
  • A judgment, decree, or order that requires health coverage for an employee’s dependent

HOW TO ENROLL

It is the employee’s responsibility to notify the Office of Benefits, Leaves and Retirement within 30 days of each qualifying life event, if they wish to make a change to their benefit plan.  Employees must provide a completed Benefits Enrollment Change form, along with any required documentation (i.e., copies of birth certificate, marriage certificate).  Documentation must include the employee’s name and last four digits of their social security number.  Failure to provide this identifying information could result in a delay of coverage.

Plan selection cannot be changed due to a qualified life event.  Only the level of coverage can be changed depending on the life event. Completed forms and documentation should be submitted to the Office of Benefits, Leaves, and Retirement during the 30 day window.  Forms may be sent via interoffice mail, U.S. mail, faxed to 410-887-8950, or e-mailed to benefits@bcps.org.