Benefits Human Resources

What This Event Means

Use this event when you lose existing health coverage and need to enroll in University benefits.

This is typically used when you previously had coverage elsewhere and now need to transition onto a University plan.

Common Situations

Use this event if you experience:

• Loss of your own employer-sponsored coverage
• Loss of coverage through a spouse or domestic partner
• Divorce or separation resulting in loss of coverage
• Loss of Medicaid or other government-sponsored coverage
• Turning age 26 and losing coverage under a parent’s plan

What “Involuntary Loss” Means

The loss of coverage must be involuntary — meaning it was not your choice.

Qualifies

• Job ended or hours reduced
• Employer no longer offers coverage
• You are removed from someone else’s plan
• You no longer meet eligibility requirements

Does NOT Qualify

• You canceled coverage by choice
• You chose not to pay premiums
• You voluntarily dropped coverage

If the loss is voluntary, you must wait for Open Enrollment.

When to Act

You must complete your enrollment within 30 days of the date your coverage ends.

Timing Rules (Important)

• You cannot submit this event before your coverage ends
• You must enter the first day you are without coverage
• You must complete your enrollment within 30 days after the loss

How to Update

1. Log in to UBenefits
2. Select Change Your Benefits
3. Choose Loss of Other Coverage
4. Enter the first day you are without coverage
5. Add yourself and any eligible family members
6. Select your benefit elections (medical, dental, etc.)
7. Review all selections carefully
8. Submit your elections

Entering the Correct Date (CRITICAL)

You must enter the first day you no longer have coverage.

Example

• Previous coverage ends: 10/31
• Enter in system: 11/01

Why This Matters

Entering the wrong date can:

• Create a gap in coverage
• Delay your enrollment
• Cause incorrect payroll deductions

Documentation Required

If you haven’t done so already, send documentation to AskHR@utah.edu.

Examples of Acceptable Documentation

• Letter of Creditable Coverage
• Termination notice from employer or insurance carrier

What Qualifies as Proof?

Your documentation must:

• Be from an official source
• Clearly show:
  • Name of covered individual(s)
  • Type of coverage
  • Last day of coverage

This date must align with the date you enter in UBenefits.

What to Expect

After you submit your changes:

• You will receive a confirmation email
• Updates will appear in UBenefits the next day
• Your enrollment is sent for processing

Weekly File Timing

Files are sent every Monday

Submissions after Monday will be processed the following week.

Loss vs Gain — Quick Tip

• Loss of Other Coverage → You are enrolling in University benefits
• Gain of Other Coverage → You are dropping University benefits

Open Enrollment (If Applicable)

See Open Enrollment page.