A Family Member Loses Coverage

	Life Events

	Career Events

	Family Events

		You Get Married

		You Establish a Domestic Partnership

		You Become a Parent

		A Family Member Loses Coverage

		You Move

		You Get Divorced or Legally Separated

	Health Events

A Family Member Loses Coverage

If a family member loses healthcare coverage from another employer's plan, and you previously waived coverage from the Corporation because of that coverage, this is a qualifying status change and you can enroll for healthcare coverage with the Corporation provided you do so within 31 days of the loss of the other coverage.

If a family member loses healthcare coverage from the Corporation because he or she is no longer eligible, then that family member has the opportunity to continue healthcare coverage at his or her own expense through COBRA.

If your job status changes in a way that makes you ineligible for certain Corporation-sponsored benefits (for example, if your regularly scheduled work week is reduced to fewer than 20 hours), or if your spouse's job status changes so that he or she is ineligible, then the job status change may be considered a qualifying change in status. A qualifying change allows you to adjust your participation in some of the Corporation's benefits when the change occurs. (Normally, you can change certain benefits coverage only once a year, during the annual enrollment period.) Most changes you make because of your or your spouse's new job status will be effective as of the date of the job status change, provided that you meet certain deadlines.

If your spouse or child loses Corporation spousal or dependent life insurance coverage, then that coverage can be converted to an individual policy, if you apply within 31 days of the loss of coverage.

Things to Do

Review the coverage options available—whether coverage through the Corporation, COBRA coverage, or conversion—and decide what makes sense in your situation.

Ask Yourself: What options do the family members losing coverage have for other coverage? Is coverage available through my spouse's or domestic partner's employer's plans? What about coverage from sources such as professional, fraternal, or other organizations? Of the coverages that I can elect, which are most important to me and my family?

If you are eligible and enrolling for medical or vision coverage through the Corporation after losing other group healthcare coverage, be sure to enroll within 31 days of the loss of the other coverage.

If your family member is eligible and enrolling for COBRA coverage, be sure to enroll within 60 days of receiving notice of eligibility for COBRA coverage, and make sure the COBRA coverage premiums are paid within 31 days of the enrollment date.

Making Changes

After you've considered your options, if you decide to or need to change your benefits, you can do so via Employee Self-Service on The McGraw-Hill Companies intranet. If the change you are making is to your 401(k) savings participation or to the investment of your 401(k) Savings and Profit Sharing Plan investments, visit Your Benefits Resources or call 1-866-477-6820.

How This Event Affects…


Medical, Dental and Vision Coverage	If a family member loses other group medical or vision coverage and you waived coverage from the Corporation because of that coverage, you can enroll for the Corporation's coverage within 31 days of the loss of the other coverage. If you miss the 31-day deadline, you will have to wait until the next annual enrollment period to enroll for coverage. If a family member loses healthcare coverage from the Corporation because he or she is no longer eligible, he or she may be eligible to continue that coverage through COBRA.
Healthcare FSA	You can enroll in the Healthcare FSA or change elections within 31 days of the loss of the other coverage.
Dependent Life and Accident Insurance	If your spouse or child loses spousal or dependent life insurance coverage, that coverage can be converted to an individual policy, if you apply within 31 days of the loss of coverage.