IQVIA Benefits Handbook
IF A DEPENDENT DIES
A dependent dying is considered to be a life status change or life event, meaning that you can make certain adjustments to your benefits. If you don't enroll or make changes to certain benefits within 30 days, you must wait until the next annual open enrollment or until you have another life event to enroll or make changes.
If a dependent dies, notify IQVIA and make any necessary changes to your personal information on the IQVIA Benefits Marketplace website.
If you have optional life insurance coverage, you will need to complete a claim form and submit a certified death certificate. IQVIA can help you complete the necessary claim forms and any additional information required by the insurance company.
The following table outlines how your coverage is affected if a dependent dies.
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 and your spouse dies, you can enroll yourself and/or your dependent children as long as you do so within 30 days of the event.
  • If you're currently enrolled in IQVIA coverage, you can change your coverage level or cancel coverage for that dependent.
  • 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.
Flexible Spending Accounts (FSAs)
  • You can enroll, increase or decrease your Health Care FSA and/or Dependent Care FSA contributions within 30 days of the event.
  • 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 FSA election to less than the amount you have already been reimbursed.
  • Evaluate whether you should continue, drop, or change your Health Care FSA contributions.
  • Evaluate whether you should continue, drop, or change your Dependent Care FSA contributions.
  • Remember to submit health care expenses that were incurred by your dependent prior to his/her death.
Life and Accident Plans
  • You can change your coverage. The 30-day limit does not apply.
  • You may want to reconsider your beneficiary designations. The 30-day limit does not apply.
  • Determine whether you need to change your coverage – for example, stop participating in the optional life/voluntary AD&D coverage.
  • You may be required to submit evidence of insurability if you want to increase your coverage.
401(k) Plan
  • There is no 30-day limit – you can change your 401(k) Plan elections at any time.
  • Review your beneficiary designation.
 
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.
  • The Employee Assistance Program (EAP) can provide resources and bereavement counseling for you and your eligible dependents.
  • For Commuter Benefits, if your commuting expenses will change, decide if you want to establish, drop, or change your coverage.