The dependent benefit is an optional benefit for spouse and/or children that comes in addition to the employee group life plan.
To use this feature on a Group Life plan, from the Eligibility & Enrollment link > Enrollment Options sub-link, there is a setting to Allow dependents to enroll. Here you also have the option to Allow domestic partner as dependent which will make a domestic partner dependent type eligible for the "Spouse" benefit offering. Once checked, the Benefits sub-link will have a new option to add the dependent benefit.
Dependent benefit designs support the following benefit types: Flat Amount or Increments
Flat Amount: This is the typically the standard dependent benefit offering. This option allows you to define 1 Flat amount option available to Spouses or Children. Example: spouse gets $10,000 and child gets $2,000.
Increments: Note, we support the option for 2 increment options that differ from our Voluntary Life dependent increment option. Example: spouse $10k/child $2k OR spouse $5k/child $1k.
Don’t confuse this with voluntary dependent life coverage, where each dependent makes an independent election. With this feature, either the dependents elect coverage, or dependent do not elect coverage. Use the Require Enrollment option if dependents are not allowed to decline the coverage.
The cost for the dependent coverage is a monthly cost for the dependent coverage, and is added to the cost of the employee coverage. Regardless of the makeup of those enrolled, if any dependents have coverage, the monthly cost is added to the plan cost. The cost of the dependent coverage can be paid by the employer, or pushed to the employee. From the Costs link > Contributions sub-link, use the Employer Dependent Contribution option to identify who is paying for the coverage. It is possible have the employer pay for the employee coverage, and have the employee pay for the cost of the dependent coverage.
- If ee benefits are grouped by classes, dependent benefits and benefit structure / amounts must be the same for both classes
- Dependent enrollments cannot be imported into the Group Life Plan