IQVIA Benefits Handbook
IF YOU BECOME LEGALLY SEPARATED OR DIVORCED OR YOUR MARRIAGE IS ANNULLED
Legal separation, divorce, or annulment are all considered life status changes or life events, meaning that you can make certain adjustments to your benefits. If you don't enroll or make changes to certain benefits within 30 days of the event, you must wait until the next annual open enrollment or until you have another life event to enroll or make changes.
If you move or change your name, remember to update your personal information in IQVIA Workday. If you change your name, you also need to notify the Social Security Administration.
The following table outlines how your coverage is affected by legal separation, divorce, or annulment.
Benefit Plans
How Coverage Is Affected
Things to Consider
Health Care Plans (including medical, dental, vision and prescription drug coverage)
  • If you're not currently enrolled because you have other coverage, you can enroll yourself and/or your dependent children in the Health Care Plans as long as you do so within 30 days of the event.
  • If you're currently enrolled in the Health Care Plans, you can change your coverage level or cancel coverage for your former spouse. Your spouse's coverage ends on the day your divorce, separation or annulment is finalized.
  • Your coverage change must be consistent with your life status change, unless you qualify for certain special enrollment rights. See "Special Enrollment Rights" in the Participating in the Health Care Plans section for details.
  • Evaluate whether you need to change your coverage level – for example, from employee + spouse to employee only.
  • Decide if your spouse will continue coverage through COBRA. Information on COBRA will be mailed to you following the removal of your former spouse from coverage.
Flexible Spending Accounts (FSAs)
  • You can decrease or stop your Health Care FSA and/or Dependent Care FSA contributions within 30 days of the event.
  • You may use the Health Care FSA to reimburse yourself for the eligible expenses of a dependent even if they do not live with you, if you are legally required to pay their health care expenses.
  • Your coverage change must be consistent with your life status change, unless you qualify for certain special enrollment rights. See "Special Enrollment Rights" in the Participating in the Health Care Plans section for details.
  • You cannot reduce your Health Care or Dependent Care FSA election to less than the amount you have already had deducted from your check to date during the year.
  • Evaluate whether you should continue or drop your Health Care FSA contributions.
  • Evaluate whether you should continue or drop your Dependent Care FSA contributions.
  • Remember to submit health care expenses that were incurred while your former spouse was still eligible for coverage.
Life and Accident Plans
  • You may increase or decrease coverage for yourself.
  • You must cancel coverage for your former spouse.
  • You may want to reconsider your beneficiary designations. The 30-day limit does not apply.
  • You may be required to submit evidence of insurability if you want to increase your optional life/voluntary AD&D coverage. See the Life Insurance section for details.
  • Determine whether you need to change your coverage – for example, stop participating in optional life or voluntary AD&D coverage for certain dependents.
401(k) Plan
  • There is no 30-day limit – you can change your 401(k) Plan elections at any time.
  • Review your beneficiary designation.
  • You may be required to provide a benefit for your former spouse through a qualified domestic relations order (QDRO), if agreed to by both parties through the court.
  • If you're currently contributing less than the maximum, you might want to consider saving more.
  • If you're eligible and not currently participating, consider enrolling.
Other Benefits
  • Other benefits such as the Employee Assistance Program (EAP), Healthy You (employee well-being), Supplemental Medical Plans (Critical Illness, Accident and Hospital Indemnity insurance), Identity Theft, Legal Assistance, Adoption Assistance, and Education Assistance are always available to you.
  • If you are an eligible employee, you can make changes to your Commuter Benefits at any time.
  • If you are eligible to participate in a Health Savings Account (HSA), you can make changes at any time.
  • For Commuter Benefits, if your commuting expenses will change, decide if you want to establish, drop, or change your coverage.