Life Events

This is an overview of the different life events you might experience and the impact those events have on your benefits with UMMS.

When you enroll in benefits as a new employee you are not allowed to make changes until the next Open Enrollment period. However, if you have a qualified Change in Family Status you may be able to make changes to your benefits.

Open Enrollment for Health Insurance, Health Insurance Buyout Option, Dental Insurance, Vision Insurance, Flexible Spending Accounts and Sick Leave Bank is in April/May for a July 1 effective date.  

Open Enrollment for the Health Insurance Buyout Option and MetLaw is in October/November for a January 1 effective date.  

In the event that there is any inconsistency between this summary and any legal printed documents, including all plan provider legal documents, the legal documents govern. The benefit information provided is a summary of what we cover and what you pay. It does not list every service that we cover or list every limitation or exclusion. UMMS benefits, premiums, deductibles, and/or copayments/coinsurance may change at any time without notice. To get a complete list of services we cover, please call the health plan. Copies of plan summaries and the GIC Benefits Decision Guide are available in the Benefits Department or from the vendor(s). Also, copies of each health plan provider benefit summary are available at