Graduate Appointee Insurance Program (GAIP)
Enrollment, Deadlines & Coverage

CONTENTS

Enrollment Deadline for Dependents
Coverage Periods
When Coverage Begins
When Coverage Ends
Enroll a New Dependent Mid-Quarter

Enrollment Deadline for Dependents

All eligible graduate appointees, fellows, and trainees with stipends are automatically enrolled in Student-Only GAIP coverage by the plan administrator, LifeWise Assurance Company. Upon your enrollment, LifeWise will send you a "welcome" letter and an email confirmation which includes important instructions on enrolling dependents. It is your responsibility to enroll your eligible dependents on or before the enrollment deadline (see chart below). You do not need to re-enroll your dependents within the same plan year if the coverage is continuous from one quarter to the next. However, all eligible appointees, fellows, and trainees with stipends must re-enroll their dependents every fall quarter and/or after a break in UW-paid GAIP coverage.

Quarter	Coverage Periods	Online Enrollment Deadline
Fall	October 1 - December 31	October 31
Winter	January 1 - March 31	January 31
Spring	April 1 - June 30	April 30
Summer	July 1 - September 30	June 30

Coverage Periods

GAIP coverage is provided in full-month increments. The table below shows the overlap between pay periods and coverage periods by quarter:

Quarter	Pay Periods	Coverage Period
Fall	September 16 - December 15	October 1 - December 31
Winter	December 16 - March 15	January 1 - March 31
Spring	March 16 - June 15	April 1 - June 30
Summer	June 16 - September 15	July 1 - September 30

When Coverage Begins

In most cases, your coverage will begin on the first day of the coverage period. However, if your appointment begins after the first working day of the coverage period, your coverage will begin the first day of the following month. For example, if your appointment begins October 15 for fall quarter, your coverage will begin November 1.

When Coverage Ends

In most cases, your coverage ends on the last day of the last month in which your graduate appointment ends. However, your coverage may continue under the following circumstances:

If you were eligible during the first five pay periods of the quarter, the program pays for your coverage until the end of the month in which the quarter ends. This is based on payroll dates, not academic dates.
If you choose to enroll in graduate appointee coverage after having general student coverage, and there's a coverage gap between the plans, the Student Health Insurance Plan (SHIP) will cover any eligible claims during the gap period up to a period of eleven days.
If you lose eligibility or your graduate appointment ends before the quarter ends, you can continue coverage through the self-pay option. In this case, you can continue coverage until the plan year ends September 30, regardless of student status.
If you self-pay through the end of the plan year, September 30, you may be eligible to continue coverage for up to an additional 18 months.

Enroll a New Dependent Mid-Quarter

If you experience a mid-quarter qualifying event such as a marriage, birth, or adoption, see Enrolling a Dependent Mid-Quarter.