IQVIA Benefits Handbook
IF YOUR SPOUSE HAS A CHANGE IN EMPLOYMENT
A spouse's change in employment resulting in you or your dependents gaining or losing coverage under another plan is considered 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.
The following table outlines what happens to benefits coverage if your spouse has a change in employment.
Benefit Plans
How Coverage Is Affected
Things to Consider
Health Care Plans (including medical, dental, vision and prescription drug coverage)
  • If you plan to add coverage for a spouse and, if applicable, dependent children, you must enroll your spouse, and/or children within 30 days of the event.
  • If you plan to enroll under your spouse's plan and drop your IQVIA coverage, you must do so 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.
  • Determine whether your spouse will be covered under the Health Care Plans, or if you will be covered under his/her plans.
  • Decide if you and your spouse will maintain separate coverage.
  • If you have children, decide who will cover the children.
Flexible Spending Accounts
  • You can enroll, increase, decrease or stop your Health Care FSA and 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.
  • Determine what expenses your spouse or children may have that will not be covered by the health plans, and decide if you want to establish, drop, or change your Health Care FSA.
  • If you have children who will be in daycare, decide if you want to establish, drop, or change your Dependent Care FSA.
Life and Accident Plans
  • You can purchase or increase optional life and/or voluntary AD&D coverage for yourself, your spouse and eligible dependent children, if any, as long as you do so within 30 days of the event.
  • You can add your spouse or children as beneficiaries. The 30-day limit does not apply.
  • You or your spouse 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.
  • 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.
  • Let your dependents know that they can take advantage of the Employee Assistance Program (EAP).
  • For Commuter Benefits, if your commuting expenses will change, decide if you want to establish, drop, or change your coverage.