Getting Married?
Start exploring your options even before you say, "I do!"
Compare your benefits and coverage options.
Review yours and your spouse's coverage options to determine which is the right fit for your family. Some considerations may involve keeping benefits separate or adding a spouse to your Cowles Company coverage.
Some things to consider:
Cost: compare premium rates to coverage.
Coverage: compare coverage options.
Network Availability: ensure your preferred providers are in-network.
Your unique healthcare needs: evaluate each coverage option for specialized treatments or medications you may need.
Don't forget to review and update your beneficiary!
Say "I do"
You've tied the knot! Here are some things to consider regarding your benefits.
Birth/Adoption of a Child
Congratulations! Your family is expanding and it's time to think about coverage for your new addition.
The birth/adoption of child is a Qualifying Life Event.
Some things to consider:
Cost: premiums of adding your dependent
Coverage: compare coverage options (do you have a partner whose insurance should be considered as well?)
529 Plans: Consider setting up a 529 college plan to start saving for your child's education
Emergency Contacts: Update contacts and beneficiaries
Communicate with HR to understand all available benefits and support.
Welcome a Child
Find the right benefits for your growing family.
Change of Jobs
Is your partner or spouse switching jobs that offers an insurance plan that fits your needs? Did you just become promoted to full-time? Did you choose to go down to part-time?
All of these can impact the options and decisions ahead.
Some things to consider:
Coverage: compare coverage options
Eligibility: Full-time to part-time will limit your options of benefits, you may lose employer sponsored benefits.
Communicate with HR to understand all available benefits and support.
Job Change
Things to consider when facing change.
Divorce
Separation/Divorce can be a stressful and emotional time in life.
The birth/adoption of child is a Qualifying Life Event.
Some things to consider:
Coverage: Will you need to consider enrolling/unenrolling?
EAP: Our EAP can offer resources and mental health support while enduring life's challenges.
Update contacts: Be sure to communicate any contact/beneficiary information.
Communicate with HR to understand all available benefits and support.
Divorce
Resources to get you through stressful times.
Loss of Spouse/Dependent
We are deeply sorry for your loss. We understand that the next steps can be challenging and difficult to navigate. We're here to support you in any way that we can.
Communicate with HR to understand all available benefits and support.
Loss of Spouse or Dependent
We're here for you, even for your hardest moments.
Loss of Coverage
Losing coverage may leave you uninsured and with questions!
Some things to consider:
Coverage: check with HR to see if you're eligible to enroll in our medical coverage.
Cost: Consider the new to you cost of healthcare coverage.
Emergency Contacts: Update contacts and beneficiaries
Communicate with HR to understand all available benefits and support.
Loss of Coverage
Aging out of your parent's insurance, spouse/partner loses coverage, and other types of loss of coverage.
Questions?
For general questions, such as eligibility and life changes, contact Human Resources at benefits@cowlesco.com
For specific benefit questions, coverage details, and Claims Assistance contact Alliant Benefit Advocates.
Phone: (800) 489-1390
Email: benefitsupport@alliant.com