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- The MISD insurance plan year runs from September 1st - August 31st
- Once the plan year begins you cannot make changes to your coverage unless you experience a Change of Family (COF) status. Examples of a COF are: marriage, divorce, birth/adoption of a child, involuntary loss of coverage. Guidelines for Mid-Year Changes
- You have 31 days from the day of a COF to make insurance changes (special provision for newborns) Adding a Newborn
- Insurance premiums are pre-taxed except disability and life insurance premiums