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Working Spouse Premium

Employees continue to have the option of covering working spouses on Purdue’s medical plans. For 2021, the rate tiers will remain in place for working spouses who have access to medical coverage through their employer (where the employer covers at least 50% of the employee-only premium), but choose not to enroll in it.

The additional premiums for employees who wish to cover a working spouse in 2021 are:

  • $750 annually for employees who earn less than $45,500 and elect the employee/ spouse or family plan.
  • $1,500 annually for those who earn $45,500 or higher and elect the employee/spouse or family plan.

Working Spouse Premium Criteria

You will have the Working Spouse Premium added only if:

  • Your spouse is employed or self-employed with access to a group plan at their place of employment and
  • Your spouse’s employer pays at least 50% of an employee-only premium and
  • Your spouse opts not to enroll in their employer’s plan and
  • Your spouse has primary coverage through Purdue

Working Spouse Premium Waiver Form

If will be covering your spouse through Purdue in 2021, you will need to provide a Working Spouse Premium Waiver form ONLY if:

  1. Your spouse is employed or self-employed, outside of Purdue, but does not have access to an employer group plan where at least 50% of the premium is paid for on their behalf. In this case, you are eligible for a waiver of the Working Spouse Premium by submitting this validation from your spouse's employer. In this case, coverage through Purdue will be their primary coverage.

OR

  1. Your spouse is employed or self-employed, outside of Purdue, has access to a group plan where at least 50% of the premium is paid for on their behalf, AND he/she takes the coverage through their employer. In this case, you are eligible for a waiver of the Working Spouse Premium by submitting this validation from your spouse's employer that he/she is taking their plan.  Coverage through Purdue would be secondary to their employer's plan.

If one of the above applies to your working spouse, you must complete a Working Spouse Premium Waiver Form.

Premium Waiver Form.

NOTE: Your spouse’s employer must also complete a section and sign the form.

Additional information to help you determine if you need to submit a Working Spouse Premium Waiver Form, review the Working Spouse Guide.