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Benefit Enrollment and Election Changes

The ICUBA Enrollment Portal is Your One-Stop-Benefits-Shop 

With the ICUBA Enrollment Portal, you will not need to remember as many usernames and passwords to access your benefits! Access to health care, prescription, and behavioral health benefit information and provider networks is enabled with single sign-on at http://icubabenefits.org.

Features of the ICUBA Enrollment Portal include:

  • New Benefit Enrollment Elections
  • Change in Status Elections (Life Events)
  • Dependent and Beneficiary Information
  • Health Care Claim and Cost Resources
  • Prescription Costs and Specialty Rx
  • Replacement Health Care, Prescription, & Behavioral Health Cards
  • ICUBA MasterCard Balances and Card Replacement
  • BlueRewards powered by Rally

New Hire Special Enrollment Window

If you are a new employee and eligible for benefits at NSU, you'll have 30 days 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.

Eligibility:

  • Employees working at least 28 hours per week can elect all of the benefits at NSU

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

  • Benefits and are effective on your date of hire

  • Life insurance, long term disability, and eligibility for the short term disability program are effective after successfully completing 90 days of employment

  • Contributions to the non‐matched retirement savings plan can begin on the first of the month following your date of hire

  • Contributions to the matched retirement savings plan can begin on the first of the month following your one-year anniversary

Premium Collection:

After making your elections in the ICUBA Enrollment Portal, your premiums for medical, dental, and vision coverage are collected as of your date of hire based on the following rules:

  • 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

  • Retroactive premium collection may be required depending on your hire date and how long you wait to make your elections

Benefit Election Changes after your New Hire Special Enrollment Window

Generally, elections made to your health care, dental, vision, flexible spending, and optional life insurance benefits are irrevocable for the duration of the benefit plan year. Retirement Savings Account elections can be changed at any time during the year once you are eligible to contribute to the plan. 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, and changes in employment status. 

Please note: all election change requests must be made directly in the ICUBA Enrollment Portal at http://icubabenefits.org and accompanied by documentation consistent to the status change. Documentation must be submitted to your employee file in the ICUBA Enrollment Portal within 30 days of the life event before the change request is reviewed. If documentation is not submitted before the end of the 30 day window the change request will be denied and rejected. 

Instructions for how to upload documents to your Employee File in the ICUBA Enrollment Portal

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.

For more information review the PDF about Status Changes online.

Premium Collection for Election Changes:

After making your elections in the ICUBA Enrollment Portal, your premiums for medical, dental, and vision coverage are collected based on the following rules:

  • Your coverage and premium are effective on the date of the status change

  • If your change is on the 1st through the 15th, premium collection begins the in the month of the status change

  • If your change is 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

  • Retroactive premium collection may be required depending on the date of your status change and how long you wait to make your elections

ICUBA Enrollment Portal Video

 

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