2024 Benefits Portal
Welcome
United Federal Credit Union offers you a Total Rewards package that includes competitive, quality benefits that aim to keep you safe and healthy. United’s Total Rewards package encompasses your compensation, traditional benefits, well-being, recognition and development elements.
We are excited to offer you these tools to help you learn more about the benefit programs we offer. But, most importantly, we want you to have resources and information to help you live a healthy, happy life.
Eligibility
Who is eligible for coverage?
Regular, full-time employees scheduled to work at least 30 hours per week are eligible for medical, dental, vision, and life insurance benefits. There are also other benefits available to part-time employees.
Are my dependents eligible?
Your eligible dependents include:
- Your legal spouse or qualifying domestic partner, see the Domestic Parter Benefits section below for more information
- Married or unmarried dependents who are:
- Your natural, adopted, legal guardianship and/or stepchildren, regardless if they are eligible for another group health plan as an employee.
- Any age, if physically or mentally handicapped and claimed as a dependent on your federal income tax return.
- Any child for whom the plan is required, by Qualified Medical Child Support Order, to provide coverage.
- Children through the end of the year in which they turn 26 years of age
If you and your spouse both work for United Federal Credit Union...
If you and your spouse are both employees of the United Federal Credit Union, only one of you may cover your dependent children. Additionally, you cannot be covered as both an employee and a dependent. You must each enroll either individually or together with one as an employee and one as a dependent.
When can I make changes to my benefits?
In most cases, your benefit elections remain in effect for the entire year (January 1—December 31). During each annual enrollment period you will have the opportunity to review your benefit elections and make changes for the coming year.
Certain coverages allow limited changes to elections during the year. These benefits include the medical, dental, and vision plans and the Health Care and Dependent Care Flexible Spending Accounts. Under these benefits, you may only make changes to your elections during the year if you have a change in Qualifying Life Events and your benefit change is consistent with your change in Qualifying Life Events.
Qualifying Life Events include, but are not limited to:
- Marriage, divorce, or death of a spouse;
- Birth, adoption, placement for adoption, death, custody, reaching the dependent age limit, and marriage of a child or dependent;
- A change in your or your spouse’s employment that affects your benefits eligibility (starting a new job, leaving a job, starting or returning from an unpaid leave of absence or changing from part-time to full-time status, etc.);
- Change in your spouse’s benefit coverage with another employer that affects eligibility;
- Change in cost of care or provider (Dependent Care FSA only).
Exceptions: You may make changes to HSA and retirement contributions at any time throughout the year.
View the Domestic Partner Benefit section below for more infomation.
Life Event Check List
The one thing you can always count on in life is that things will change! You get married, have a baby, or move. Your spouse changes jobs or goes back to work. You might get injured and be unable to work for a few months. Whatever happens in your life, your benefits will continue to support you—and your finances, your health and your future.
When you have a qualifying event, you can make benefit changes that are consistent with your life change. (For example: If you get married, you can add your spouse to your medical plan.)
Some common family status changes include:
- Marriage, divorce, or legal separation
- Birth or adoption (or placement of adoption)
- Death of a covered dependent
- Loss or gain of eligibility for insurance coverage
- Change in employment status (starting or leaving a job)
- Change in health insurance eligibility (due to relocation, etc.)
Visit the link below for the event you've experienced or are planning for. From there, review what changes you can make based on the benefit. The variety of benefits listed within this section is not a guarantee that the company offers them; however, you may have access to those benefits from a spouse's plan.
Adding a Qualifying Event
You have 30 days to notify the HR Benefits Team of a qualifying life event and to get the process started if you need to make changes to your benefits. If you don't meet the deadline, you'll have to wait until the next Open Enrollment to make any changes to your benefits. Click here for instructions of how to initiate a qualifying life event.
Domestic Partner Benefits
Both opposite-gender and same-gender Domestic Partners, and their children through the end of the year in which they turn 26 years of age, may be covered under your BCBSM health plan.
Please be aware that as part of this coverage, UFCU must comply with federal regulations and guidelines. Per IRS regulations, employers cannot provide certain insurance coverages on a tax-free basis for domestic partners of an employee unless the DP qualifies as a dependent of the employee or as a spouse under state law. Therefore, employers must treat the value of employer-provided domestic partner benefits as taxable income to the employee.
If you are interested in adding a Domestic Partner to your health insurance, you will need to complete an affidavit and submit it along with supporting documentation.
If you are not enrolling your domestic partner in health insurance but wish to enroll them in dental, vision, and/or life insurance, you will only be required to provide documentation verifying a shared household for 12 months or more.
There is a 90-day waiting period before medical coverage for Domestic Partners and children of Domestic Partners may commence.
Questions?
