What are my options for insurance coverage when I’m on leave without pay?

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If your leave without pay (LWOP) is expected to last longer than 30 days, you have two options:

  1. Cancel your health benefit plan enrollment during your leave of absence.
    • You must complete an EC-1 enrollment form (or EC-1H for HSTA VB members) within 45 days from your authorized leave date to cancel coverage, and may enroll in the same health plans upon return from leave by submitting an EC-1/EC-1H form within 45 days from your return date. The effective date of the cancellation will be the first day of the first pay period following your LWOP start date.
  2. Continue all your plans during your leave of absence by paying the premiums due by the end of the month.
    • Employees are responsible for submitting premium payments to the EUTF by check, electronic check, credit card or ACH payment. For more information, visit premium payment options.

If you do not submit an EC-1/EC-1H enrolment form within 45 days to cancel your coverage and do not make payment to the EUTF, your plans will be cancelled due to non-payment.  You may enroll during the next open enrollment or if you experience a qualifying life event.

If you are on leave without pay for a period less than 30 days, you could still have a premium shortage.  Employees on leave should check their paystub to see if they need to submit a premium payment to the EUTF.

For employees on Family Medical Leave of Absence without pay:  If you continue plans but do not submit payment to the EUTF by the due date indicated on the Shortage notice, your plans will be cancelled effective the due date on the notice.

For Uniformed Services Employment and Reemployment Rights Act (USERRA): If you continue plans but do not submit payment to the EUTF by the due date indicated on the shortage notice, your plans will be cancelled retroactive to your leave of absence date.