The eligibility and enrollment rules for the U

Retiree Health Care SPD Effective January 1, 2012
Additional Eligibility and Enrollment Information
Qualified Medical Child Support Orders
A Qualified Medical Child Support Order (QMCSO) is any judgment, decree or order (including
approval of a settlement agreement) for one parent to provide a child or children with health care
coverage. If U.S. Bank receives a QMCSO for your child or children, you will be contacted
concerning the procedures regarding the order. You may also request a copy of the QMCSO
procedures from the U.S. Bank Employee Service Center at any time and without charge.
Generally, if U.S. Bank receives an order that is determined to be a QMCSO, coverage for the
child who is the subject of the QMCSO will become effective on the date specified in the
QMCSO, or at a later date as specified in U.S. Bank’s QMCSO procedures. In addition, U.S.
Bank will increase your deduction or bill you for appropriate charges beginning on the date the
QMCSO becomes effective. If the request for coverage is not made within 31 days of the date of
the QMCSO, coverage for the child will be subject to all of the terms of the Retiree Health Care
Program, as applicable.
Domestic Partner Eligibility
A domestic partnership consists of an ongoing and committed spouse-like relationship between
adults of the same or opposite gender. If you are in a qualified domestic partnership, your
domestic partner is eligible for health care benefits. (Note: Kaiser Colorado imposes certain
limitations on domestic partner coverage. Contact Kaiser Colorado for specific information on
their coverage.*) Even though some localities may recognize same-sex marriages, the U.S. Bank
Retiree Health Care Program is governed by federal regulations, which require that the cost for
coverage for partners must be considered imputed income. Therefore, even in the event of
marriage or civil union, if you are enrolling your same-sex spouse, you must designate him/her
as a domestic partner.
* Due to Colorado state law, opposite-sex domestic partners and domestic partner children are not eligible for health
care coverage under the Kaiser Colorado option unless the domestic partnership satisfies the state law requirements
for establishing a common-law marriage, which include filing the appropriate documentation with the proper state
agency. Opposite sex domestic partners enrolling in this option will not be eligible to enroll under the domestic
partner process. Rather, the common-law marriage process must be used. Common-law certification forms are
available by calling the U.S. Bank Employee Service Center.
A domestic partnership is qualified if all of the criteria listed below are met:
• The partners have an ongoing and committed spouse-like relationship;
• The partners intend to continue their relationship indefinitely;
• The partners are:
– both 18 years of age or older and competent to enter into a contract;
– not legally married to each other, unless you are same-sex partners who have been
married in a locality that recognizes same-sex marriages as a legal union;
– not legally married to, nor the domestic partner of, anyone else; and
– not related by blood closer than permitted by marriage law in their state of residence.
• The partners share a principal residence and intend to do so indefinitely;
• The partners are responsible for the direction and financial management of their
household and are jointly responsible for each other's financial obligations.
Note: Other rules may apply to Kaiser.
12