When a dependent is added to your benefits coverage as the result of a Qualifying Life Event (QLE), the effective date of coverage may be retroactive. As a result, premiums may be owed for a period during which deductions were not previously taken from your paycheck. These unpaid premiums are referred to as arrears.
Arrears means you are being charged later for coverage that already started.
For example, if you get married on May 1 and submit your benefit change on May 30, your spouse’s coverage may still be effective back to May 1. Because payroll deductions for that new coverage were not taken earlier in the month, you may be charged for the May coverage after the change is processed. That past-due amount is considered arrears.
Extra money will be deducted from subsequent paychecks in addition to your regular premium deductions until the outstanding balance has been paid in full. These extra installments will not exceed $100 per paycheck.
If your employment terminates before the arrears balance is fully repaid, any remaining amount owed will be deducted from your final paycheck to the extent permitted by applicable laws and company policies.
Requesting a Premium Schedule or Breakdown
Teachers Health Trust publishes premium schedules and calculators for active employees, retirees, and COBRA participants. If you need documentation specific your premium expense, request it directly from Teachers Health Trust.
Family Medical Leave Act (FMLA) or Unpaid Leave
If you are on Family Medical Leave Act (FMLA) or other unpaid leave or suspension, you might not receive paychecks. Refer to the FMLA article for more information on your options for paying arrears.