Student Insurance: Changing Your Benefits

Information on Changing Your Benefits Due to a Life Event

You must have an IRS qualified event in order to change your benefit elections mid-plan year. Examples under the IRS regulations include: marriage, divorce, change in a spouse/partner's employment, birth of a new baby, and death of a spouse/partner.

  • Documentation of the life event, showing the event date, is required.
    • If the change you are requesting involves covering a spouse/child, documentation of the relationship such as a marriage certificate, birth certificate, etc. is required.
    • A divorce decree is needed to remove a spouse for that life event.
    • If the changes you are requesting involve the start/termination of another policy, documentation of the coverage type and effective start/termination date is required.
      • Insurance cards are not accepted documentation.
  • According to Internal Revenue Service (IRS) regulations, mid-plan year benefit changes must be submitted within 60 days of the life event.
  • Incomplete submissions will be denied. If you're still within 60 days of the event date, you can submit the request again with all required documentation.
  • For an event date the first day of a month, the coverage becomes effective the first of that same month.
  • For an event date effective after the first day of a month, the coverage becomes effective the first of the next month.

Steps to Take to Change Your Benefits Due to a Life Event

In order to make changes to your benefit elections during the academic year due to a life event, you must complete all steps below in their entirety.

  1. Go to my.pitt.edu
  2. Log in with your University username and password
  3. Select the "My Resources" tab
  4. Select "Student Health Insurance" on the drop down menu
  5. Select "Student Health Insurance" on the "My Pitt" page and continue through the online enrollment and payment process.
  6. Select the "Change my Benefits" tab
  7. Choose the appropriate event, enter the date the event occurred and provide an explanation in the "Event Notes" section, and then click the "submit" button.
    • The event that you selected will now appear on the right-hand side of the page.
  8. Upload the required supporting documentation.
  9. Click the "Enroll Now" button. A new page will open to allow you to make the appropriate changes to your benefit elections.
  10. Once you have completed your changes, click the "Submit Enrollments" button at the bottom of the page.

The University's Benefits Department will email you upon approval or denial of your requested benefit change. If you are denied for having an incomplete submission and still are within 60 days of the event date, you can submit the request again with all required documentation and explanation.