Instructions for All Benefited Employees

Work Life Event: 
Applies To: 
All Benefited Employees

Divorce is a challenging process even under the best of circumstances. There are a number of resources you may wish to take advantage of during this process..

As part of your divorce process you, the courts and, if applicable, your legal representative and/or mediator will require documentation of your assets and insurance coverages. Please contact your retirement plan administrator for legal documentation.

Retirement

Retirement plan vendors may be able to provide you a sample Qualified Domestic Relations Order (QuaDRO) or DRO, providing language that the agency/vendor is able to implement. Please have the relevant portions of your proposed divorce decree and/or DRO reviewed by your retirement vendor(s) to insure they can implement the language as written (avoiding the possibility of the need to return to court to have the language amended.)

If not prohibited by your divorce agreement/QuaDRO/DRO you may wish to change the beneficiary(ies) for your retirement plan(s) (link to Beneficiary Changes)

Name Change

If your name has changed, please update Human Resources accordingly.

GIC Health Insurance

The following is excerpted from www.mass.gov/anf/employee-insurance-and-retirement-benefits/status-changes/divorce-legal-separation-and-remarriage.html

You must notify the GIC when you are legally separated or divorced by sending the GIC a letter with your name, GIC identification number (usually it is your Social Security Number), address, signature, and your divorced or legally separated spouse's name and last known home address. You must also send a copy of the following sections of your legal separation agreement or divorce agreement: page with the "absolute" date (the date your divorce or legal separation became final), the health insurance provisions, and signature pages. The GIC will send you and your former spouse information about continuing coverage.

If you fail to report a legal separation, divorce or remarriage, your health plan and the GIC have the right to seek recovery of health claims paid or premiums owed for your former spouse.

By law, the legally separated or former spouse can be removed according to the terms of your divorce agreement. If the former spouse provides proof of other health coverage and does not wish to remain on the GIC's coverage he/she can be removed from your policy.

If you or your legally separated or divorced spouse remarries, coverage for the legally separated or divorced spouse ends under your family plan, in accordance with state laws. This is true even if your new spouse does not need or want GIC health coverage. Failure to report a remarriage in a timely manner may result in financial liabilities. Depending on language in the divorce agreement, the former spouse may be eligible as an individual for a divorced spouse rider or COBRA coverage.

If your divorce agreement allows you to remove your former spouse and/or dependents from your GIC health insurance plan you may do so by completing and submitting a GIC Insurance Data Form (IDF)  at the HRESC with a copy of the divorce agreement (including page reflecting date of divorce absolute and signature page). If this change results in you moving from a family to an individual health insurance plan you must also complete and submit a GIC Insurance Enrollment and Change Form (Form 1)  changing your coverage from a family to an individual plan.

GIC Optional Life Insurance

Upon legal separation or divorce you may enroll for up to four times your annual salary in GIC Optional Life Insurance (if you do not already carry this amount of coverage or more) without passing a medical evidence of insurability exam. To do this you must complete a GIC Insurance Enrollment and Change Form (Form 1)  to the HRESC within 31 days of the qualifying event with legal proof of separation or divorce.

Dental/vision insurance

If your divorce agreement allows you to remove your former spouse and/or dependents from your dental/vision insurance coverage you may do so by:

Other changes you may wish to consider

Include changing your:

  • tax withholding status in HR Direct
  • If not prohibited by your divorce agreement/QuaDRO/DRO, changing designation of beneficiaries for life insurance and retirement plans