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Benefit Elections and Eligibility Dates

Whether you are a new employee, or an employee who has recently become eligible for benefits, the ICUBA Benefit Portal is your go-to resource for managing your medical, dental, vision, flexible spending, and life insurance benefit elections at NSU. The ICUBA Benefit Portal provides single sign on access to review your medical insurance claims and statements, access flexible spending, prescription pharmacy information, and much more. 

Login to the ICUBA Benefit Portal at http://icubabenefits.org when you need to:

  • Make new benefit elections 
  • Submit a benefit election change request
  • Update your beneficiaries for life insurance
  • Review HRA and FSA balances
  • Review your medical insurance claims from BCBS
  • Review prescription pharmacy benefits
  • Access BlueRewards, powered by Rally, and 
  • SO MUCH MORE!
New Employee Benefit Eligibility

If you are a new employee and eligible for benefits at NSU, you have 30 days from your date of hire to make benefit elections in the ICUBA Enrollment Portal. If you choose not to make benefit elections during your first 30 days, your next opportunity to make elections will be during NSU's Annual Open Enrolment period or if you experience a qualified Life Event. 

Information about your eligibility and how your benefit premium is collected are summarized below.

Who is a benefit eligible employee?

  • Employees working at least 19.2 (but less than 28) hours per week can elect all benefits except medical
  • Employees working at least 28 hours per week can elect all benefits including medical

New Employee Benefit Effective Dates

As a new employee, or an employee who has recently become eligible for benefits at NSU, there are a few things to keep in mind regarding your eligibility for certain benefits. Some benefits are effective immediately (on your date of hire) and others are effective at different times after you become eligible

When are my benefits at NSU effective?

  • Medical, Dental, Vision, and Flexible Spending eligibility begin on your date of hire
  • Life insurance, long term disability, and eligibility for the short term disability program begin after successfully completing 90 days of employment
  • Contributions to NSU's 401(k) Retirement Savings Plan are a little different
    • Eligibility to make non-matched contributions can begin on the 1st of the month following your date of hire
    • Eligibility to make matched contributions can begin on the 1st of the month following your one-year anniversary 
New Employee Benefit Premium Collection

After making your elections in the ICUBA Enrollment Portal, your premiums for medical, dental, and vision coverage are collected retroactive to your date of hire. Keep the following in mind when thinking about your benefit premium:

  • Your coverage and premium are effective on your date of hire
  • If you are hired on the 1st through the 15th, premium collection begins the month you are hired
  • If you are hired on the 16th through the end of the month, premium collection begins the following month
  • Premium payment is credited for the month of the actual pay date when premium is deducted. For example, the pay dates in June would pay for June's premium
Keep in mind! Retroactive premium collection may be required depending on your hire date and how long you wait to make your elections.
Benefit Election Changes after You're Hired

Generally, elections made to your medical, dental, vision, flexible spending, and optional life insurance benefits are irrevocable for the duration of the benefit plan year. There are special circumstances, outlined by the Internal Revenue Services, that may allow employees to make mid-year benefit election changes referred to as Life Events.

Life Events can include, but are not limited to, changes in marital status, changes in the number of eligible dependents (through birth or adoption), changes in spouse or dependent eligibility, changes in employment status, and any requests to change benefits due to a life event must be consistent with the type of life event.

If a life event does occur, election changes must be consistent with the event, examples of consistent election changes are listed below.

Example 1: An employee's dependent child ceases to be eligible for health care coverage under another plan, the employee may be permitted to change their current election to cover the dependent child on the health care coverage at NSU. However, the employee could not use this event to drop coverage for a spouse or another dependent currently covered under their health care plan. 

Example 2: An employee's change in status event is a divorce, the employee may be permitted to change their current elections to remove their spouse from their coverage but could not use the divorce to drop coverage for themselves or another covered dependent.

Please note: you must make your election change request directly in the ICUBA Enrollment Portal at http://icubabenefits.org and upload documentation to support the change request in your ICUBA Benefit Portal Employee Profile within 30 days of the life event. 

If documentation is not submitted before the end of the 30 day window the change request will be denied and rejected. 

For more information download the Qualifying Events/Special Enrollment Periods PDF. 

ICUBA Enrollment Portal Video

 

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