Leave of Absence
To learn more about the types of leaves of absence, please refer to the Non-FMLA Medical and Personal Leave of Absence policy. Your benefits may be impacted while on a Leave of Absence — particularly if it is an unpaid leave. Review the policy for more details.
Health, Dental, Vision, Disability and Life Insurance Coverage
While you are on paid leave, your insurance premiums will continue to be deducted from your paycheck.
If you go on unpaid leave it is your responsibility to pay the premiums for your existing coverage through direct billing. Benefit Express manages direct billing administration for Vanderbilt. You will receive payment coupons directly from Benefit Express. Failure to receive payment coupons does not relieve you of your responsibility of making timely premium payments. Lack of payment may terminate your participation in the plan. If participation is terminated, you will have a gap in coverage if reinstated upon your return to paid leave status.
If you are on an unpaid leave and have a Flexible Spending Account (FSA), your payroll contributions will stop until you return to work. Upon return to work, the remaining FSA election will be recalculated based on remaining payrolls.
If you have the Health Reimbursement Account (HRA), it remains active during an unpaid leave of absence, though no additional accruals are made during the unpaid period.
You cannot continue to contribute to your retirement accounts during an unpaid leave. However, your existing retirement funds will remain invested as you directed.
Accrued Time Off
Accrued time off must be exhausted before an unpaid leave of absence can begin. However, if on unpaid leave due to short-term disability, you must only use enough accrued time to satisfy the applicable waiting period. Employees enrolled in only the base option of enhanced short-term disability are required to exhaust all grandfathered sick time before short-term disability starts paying. Time off accruals will stop during an unpaid leave of absence. Refer to the Non-FMLA Medical and Personal Leave of Absence policy or the short-term disability insurance webpage for more information.
Returning from Unpaid Leave
If you paid your portion of your benefits through direct billing, then your regular deductions will resume on the first of the month following the date you return from leave. If you return from leave in the middle of a month, you will still need to pay your benefit premiums for the remainder of the current month’s coverage through direct billing with Benefit Express.
Example: You are on unpaid leave from June 21 – August 5.
- You would be enrolled in direct billing through Benefit Express for July and August premiums.
- You pay the amount due for July and August coverage to Benefit Express by the first of each month
- Your normal premiums would resume through regular paycheck deduction beginning in September*.
*If there were any payroll deductions missed in June, they would also be deducted from your check once you return from leave.
Failure to pay your premiums via direct bill will result in the termination of your benefit coverage. If your coverage is terminated due to lack of payment while on leave, you will be defaulted into Aetna Plus at the Individual tier when you return from leave. You will have 30 days from the date you return to work to re-enroll in your benefits. You will have a lapse in coverage for the months in which you did not pay for coverage. Any claims incurred during the time of non-payment will be denied and you will be responsible for the full cost of the expense.
When do I need to add my child to the insurance plan(s)?
You have 30 days from the date of the qualifying life event to add a child to your insurance coverage. For a newborn, that is 30 days from the date of birth. For an adopted child, it is 30 days from the date the adoption is finalized by the courts.
Is any documentation required to add my child to the insurance coverage?
Documentation is not required to add your newborn to your insurance coverage. Documentation is required to add your adopted child to your insurance coverage. A final copy of the court documents signed by the judge in the case of adoption must be forward to the Benefits Administration office within the 30 day allowed timeframe.
Vanderbilt University reserves the right to audit eligibility and may require copies of any legal papers issued to establish a person as your spouse, partner or child. Only copies of actual court documents issued by the respective courts will be considered as acceptable documentation for dependents. Attempting to insure someone who is not eligible may be subject to disciplinary action, up to and including termination of employment.
How do I add my newborn or adopted child to my insurance coverage?
In order to add your newborn or adopted child to your insurance coverage, log into MyVuBenefits and follow the steps below:
- Go to the Benefits tab below the Vanderbilt University header
- Select Life Changes from the drop down menu
- Select "Having or Adopting a Baby/Legal Guardianship" from the qualifying events include menu
- Enter the date the newborn was delivered or the date the adoption was final as the "Date of this Life Event"
- Click the "Enroll" button at the bottom right of the screen to begin the process
If I have dental and vision insurance, am I required to enroll my child in these plans if I only need the medical coverage for him/her?
You are not required to enroll your child in benefits you do not need for them at this time. You may add dependents to these benefits during future open enrollment periods.
I missed the deadline to add my child to the insurance coverage. How can you help me?
You may submit a benefit appeal request to have the addition of your child reviewed by the Appeals Committee after the 30-day deadline has passed. All committee decisions are final. Note that it may take up to 45 days to receive a decision.
Do I have to have a Social Security number before adding my child to the insurance coverage?
No, you do not have to have a Social Security number before adding your child to the insurance coverage. We realize that there will be some lag time between adding a dependent child and obtaining a government issued identification number. Contact the Human Resources for assistance in adding your new dependent without a Social Security number.
All dependents must have a Social Security number issued by the Social Security Administration (this information is needed for claims processing purposes only). Your dependent information can be updated by contacting Human Resources upon receipt of the Social Security number.
What do I need to do to receive my disability pay while away from work?
Provided you are enrolled in the disability plan offered by Vanderbilt and pre-existing conditions are not a factor, you may be eligible for partial income replacement while you are away from work. Contact UNUM, Vanderbilt's disability provider, at 1.800.836.6900 to begin your claim. Reference 224887 as the contract number and be prepared to provide the name, address and contact number for your medical care provider. It is your responsibility to initiate your disability claim.
I need my health insurance. What are my options?
You may continue your health benefits while on leave. Your portion of the premium can continue to be deducted from your paycheck as long as your remain in a paid status. In the event your leave extends into an unpaid status, you will automatically be enrolled in direct billing through Benefits Express, the authorized benefit administrator for Vanderbilt University. You may also waive benefits while on leave. For details on waiving benefits, or other questions, contact the Human Resources.
For questions regarding leave of absence and benefits, contact the Human Resources.
For questions regarding direct billing, contact Benefit Express by emailing firstname.lastname@example.org or by calling Customer Service at 1.877.837.5017.