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Life/Work Changes

From changing an address to adjusting benefits after marriage, Saint Louis University's Human Resources offers support for life and work changes.    

Changing Your Address

If you've moved, you can change your address through Banner Self-Service. 

  1. You can update your address using Banner Self-Service by clicking on the personal profile link in the right column and then clicking on the edit button at the bottom of the left column.
  2. Banner Self-Service will automatically update your address with Saint Louis University’s HR Records Office, your health plan administrator (United Health Care), Delta Dental, Connect Your Care, Express Scripts and TIAA-CREF. 
  3. If you participate in the Saint Louis University Health Savings Account with Optum HealthBank, you need to contact Optum HealthBank at 866-427-6804 and ask them to update your address in their records. 

Family Status Changes

Marriage, divorce, legal separation, birth, adoption, or legal guardianship are all considered family status changes so you will be able to make changes to some of your benefits (without having to wait for the open enrollment period in November) providing the change is consistent with and as a result of the event and made within 31 days of the change.

When you have a family status change, take the following steps, as applicable: 

  1. Change name (if applicable). 
  2. Bring your new Social Security Card (if applicable), in person, to the Human Resources office – 3545 Lindell Blvd, first floor. 
  3. Change tax withholding status (if applicable). 
    • Go to the employee tab in  Banner Self-Service and click on tax forms, where you will find Federal and State W-4s.
  4. Update your marital status (if applicable) using Banner Self-Service.
  5. Make changes to benefits (if applicable).
Health and Dental Coverage

Changes to health or dental coverage must be made within 31 days of the event.

  • Marriage: You may wish to add your spouse to your coverage, or drop your coverage, if your spouse is going to cover you under his or her plan. In addition to the United Health Care Change Form, you will be required to provide a copy of your marriage certificate to add a spouse to your medical coverage.
  • Divorce, Legal Separation: You must drop your ex-spouse from your coverage. Your ex-spouse can opt to pay for their own benefits through COBRA and they will receive notification of this in the mail. 
  • Birth, Adoption, Legal Guardianship: You may wish to add your child to your coverage.

Learn More

Flexible Spending Account

Changes to your Flexible Spending Account must be made within 31 days of the event.  If you anticipate changes to your health care or dependent care expenses in the upcoming months due to your change in family status, you may want to begin participating in a FSA, or increase or decrease the contributions to your existing FSA.

Learn More

Retirement Benefits

Changes to retirement benefits should be made as soon as possible after the event. Update your marital status with your retirement vendor. Contact your investment company to update your beneficiary designation, if applicable.

Qualified Domestic Relations Orders (QDRO) 

To avoid a delay in processing, follow these steps to allow for review of the order prior to court review and assure the document will be deemed a qualified order for the Saint Louis University retirement plan, thus avoiding the expense of having revisions made and re-submitting the Order to the Court. To process a Qualified Domestic Relations Order:

  1. Prepare the proposed Order (or have your attorney prepare one for you) and submit the draft document to Saint Louis University's Benefits Office for consideration. (A divorce decree/marital dissolution agreement is not sufficient.) Saint Louis University does not provide a standard form but you may contact your investment company to see if they have one they will provide.
  2. The Benefits Office will review the Order with Saint Louis University’s Office of the General Counsel and return the Order to you with either tentative approval or a list of recommended changes needed to be accepted as “qualified” by the Saint Louis University Retirement Plan.
  3. After you or your attorney make the requested revisions, the Order must be submitted to the Benefits Office for a final review (before submission to the court).
  4. Once approval is given by the Benefits Office, the Order should be submitted to the Court for approval.
  5. Once approval is granted by the Court, a certified copy of the Order must be submitted to the Benefits Office for submission to the Investment Company as a Qualified Domestic Relations Order.
  6. The Investment Company will then divide the assets according to the approved and executed QDRO. 
Life Insurance

Change can be made anytime during the year. You may want to change your beneficiary designation. 

Child No Longer an Eligible Dependent

When your child reaches the age of 26, they are no longer eligible for benefits as your dependent through the University effective at the end of the month of their birthday. As this qualifying event can potentially affect payroll deductions for each benefit the dependent is covered under, employees are strongly encouraged to remove  the dependent from any applicable benefits as soon as possible. In the event of a dependent child's death, employees are also encouraged to contact the benefits office to make the appropriate changes to respective benefits within 31 days of the dependent's date of death. 

While employees are able to remove the dependent due to this qualifying event, switching plans (such as changing from United Healthcare's Plus Plan to the High Deductible Health Plan) is not allowed. Such changes can only be made during the University's annual open enrollment.

Look at each individual plan as you consider the age limit qualifying event. 

Death of an Employee

If you are the surviving spouse or dependent of an active Saint Louis University employee, you should notify your loved one’s department supervisor and the benefits office in Human Resources. 

You will need to make decisions about continuing benefits, including health and dental insurance coverage through COBRA.

Health/Dental

The University benefits office will continue health benefits for covered dependents upon a death of a University employee for four months at no cost to the family. Please contact the benefits office to make arrangements for the continuation of benefits beyond the four-month period.

Changed to dental benefits must be made within 60 days of the death. 

  • You can choose to continue, on a self-pay basis, your health coverage through COBRA.
  • Initial payment is required within 45 days of election date in order for benefits to be provided under COBRA.
Flexible Spending Accounts 

If your loved one was enrolled in an FSA for health or dependent care expense reimbursement, the enrollment ends on the day that the death occurred. However, survivors have until March 31 of the following plan year (FSA submission deadline) to submit claims for eligible expenses incurred prior to the death.

ConnectYourCare administers the Flexible Spending Accounts.  Eligible FSA claims can be submitted up to March 31 of the following plan year. 

Learn More

Life Insurance

Call 314-977-2366 to begin the life insurance claim process.

Retirement Benefits

Contact the retirement plan vendor to obtain distribution forms.  Completed forms should be returned to the benefits office for processing. They can be mailed to 3545 Lindell Blvd., Saint Louis, MO 63103.

Change in You or Your Spouse's Job Status

New Hire

Update your address using Banner Self-Service by clicking on the personal profile link in the right column and clicking on the edit button at the bottom of the left column. Banner Self-Service will automatically update your address with Saint Louis University’s HR Records Office, your health plan administrator (United Health Care), Delta Dental, Connect Your Care, Express Scripts and TIAA-CREF. 

If you participate in the Saint Louis University Health Savings Account with Optum HealthBank, you need to contact Optum HealthBank at 866-427-6804 and ask them to update your address in their records.

Leave of Absence

Your benefits may be impacted while on a leave of absence — particularly if it is an unpaid leave.

  • Health and Dental: While you are on paid leave, your insurance premiums will continue to be deducted from your paycheck. If you go on unpaid leave and still want to continue your health and/or dental coverage, you will need to pay the premiums through COBRA direct billing.
  • Spending Accounts: If you are on an unpaid leave and have a Flexible Spending Account (FSA), your payroll contributions to the account will stop until you return to an active status. Upon returning to an active status, your remaining FSA election amount will be divided by the remaining number of paychecks for the calendar year. Your account remains active during an unpaid leave of absence. If you have the Health Savings Account (HSA), it remains active during an unpaid leave of absence, though no additional accruals are made during the unpaid period.
  • Retirement Plan : You cannot continue to contribute to your retirement accounts during an unpaid leave. However, your existing retirement funds will remain invested as you directed. 

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