Birth & Adoption

Birth & Adoption

Welcoming a child? In the excitement of bringing a new child into your household, don't overlook making the necessary changes to your benefits.

Within a limited timeframe after the date of your child's birth or adoption, you will want to evaluate changes to health insurance, for example, so the newest addition to your family will have medical coverage. Here are some of the benefits issues you'll want to consider.


MIT provides Paid Parental Leave to eligible mothers and fathers after the birth of a child, adoption of a child under 18 (under 23 if the child has mental or physical disabilities), or placement of a foster child (under 23 if the child has mental or physical disabilities). Learn more about paid parental leaves.

Health, Dental, and Vision Plans

  • Compare costs and coverage of the health, dental, and vision plan family plan options offered by MIT and the employer of your spouse or partner to determine the best option.
  • Change or enroll in health, dental, and vision plans within 31 days from the date of your child's birth or adoption.
  • If you do not make changes within 31 days, you must wait until the next annual Open Enrollment event.
  • If this new addition to your family changes your eligibility for Medicaid or the State Children's Health Insurance Program, you have 60 days to make corresponding changes to your health-related benefits. Learn more about Medicaid and SCHIP.

Life Insurance

Flexible Spending Accounts

Don't miss the opportunity

Remember that if you do not meet the timeline described above for modifying your benefits, you will have to wait until the next annual Open Enrollment period to do so.

Why the Period for Making Changes is Limited

Most of the benefit plans offered through MIT are paid with pre-tax dollars. In exchange for the tax advantage, you legally cannot enroll in, cancel, or make changes to your medical, dental, or reimbursement account plans outside of the annual Open Enrollment period, unless you experience a qualifying change in your life like the one described above.

MIT's policy for allowing changes outside Open Enrollment in the case of certain qualifying life events is consistent with the federal Department of Labor guidelines under the Health Insurance Portability and Accountability Act of 1996 (HIPAA).

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