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Life Events Guide

Birth of Dependent Child

Planning and care for a new child begin even before birth. Although you will be busy with day-by-day adjustments to your life immediately after your child is born, you should start considering long range concerns for the future, including savings and college financing. Parents with more than one child also have decisions to make dealing with optimizing the use of family resources to provide for their aging, changing and growing family. At this time, your benefit plans become increasingly vital to your family’s well being.

Plan Checklist

  • You must complete a new Health Plan Enrollment Form as soon as possible after the birth. You must also include a copy of the birth certificate. Note that if you are enrolled in one of the HMO programs, you must notify the HMO within 31 days of the birth or your child will not be covered for medical care.
  • You will want to review your designation of beneficiary for the life insurance under the Health & Welfare Trust. If you are unmarried, you will also want to review the designation of beneficiary in the Pension and Defined Contribution Plans.
  • Review the rules for coordination of benefits. Coordination of benefits rules govern who will have the primary coverage for your child if both you and your spouse have group health coverage.
  • If you think you might be taking Family/Maternity/Paternity Leave you should contact the Fund Office to find out about how your benefits may be affected.

Also Consider…

Financial planners recommend that when you have a child you should update a number of personal plans and documents. Here is a checklist of some items which you may need to update, revise, or consider: