Benefits Eligibility During Unpaid Leaves of Absence

Learn how your benefits will be affected when you take an unpaid leave of absence.

Need to request a leave? See the Unpaid Leave Request form.

Your benefits will change according to the length of your leave. The chart below summarizes these changes.

If you continue coverage during your leave and your payments are delinquent more than 30 days, your coverage will be cancelled, and you will be offered coverage under the provisions of the Consolidated Omnibus Budget Reconciliation Act (COBRA).

PlanLeave of Less Than Three MonthsLeave of Three Months or Greater
HealthYou must continue your coverage. Contributions will be deducted upon your return to pay status.

You may continue or cancel your coverage. If you continue coverage and do not return the Continuing Benefits Form, you will be billed automatically. If you cancel coverage, it will not be reinstated automatically. You have 31 days following your return to MIT to re-enroll.

If you belong to the MIT Traditional Plan and you reside outside the plan's enrollment area for more than three months, you must transfer to the MIT Choice Plan to maintain health coverage through MIT. When you return to the enrollment area, you may re-enroll for coverage under the MIT Traditional Plan as long as you re-enroll within 31 days of your return to MIT.

DentalYou must continue your coverage. Contributions will be deducted upon your return to pay status.You may continue or cancel your coverage. If you continue coverage and do not return the Continuing Benefits Form, you will be billed automatically. If you cancel coverage, it will not be reinstated automatically. You have 31 days following your return to MIT to re-enroll.
Supplemental Life InsuranceYou must continue your coverage. Contributions will be deducted upon your return to pay status.You may continue or cancel your coverage. If you continue coverage, you will be billed automatically. If you cancel coverage and wish to reapply when you return to MIT, you must submit Evidence of Insurability satisfactory to the insurance company. Contact the MIT Benefits when you return for forms and details.
Flexible Spending Accounts Health / Dependent CareContributions do not continue. Upon return your remaining deductions are evenly divided over the pay periods remaining in the year.Contributions do not continue.
Tuition AssistanceYou will be reimbursed for eligible courses only when you return to work at MIT.You will be reimbursed for eligible courses only when you return to work at MIT.
Adoption AssistanceYou must be on an approved unpaid leave at the time expenses are paid and the adoption is finalized.You must be on an approved unpaid leave at the time expenses are paid and the adoption is finalized.
Backup Child/Adult Care (Care.com)You will continue to be eligible during an approved unpaid leave of absence.You will continue to be eligible during an approved unpaid leave of absence.
Childcare Scholarship ProgramYou will continue to be eligible during an approved unpaid leave of absence.You will continue to be eligible during an approved unpaid leave of absence.