Advocate Health Care
Benefits
Domestic Partners

 
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Paying for Benefits
If you have a spouse, Advocate pays the majority of the cost to provide benefits for your spouse—and its contribution will be the same if you have a qualified domestic partner. That means the premium you'd pay to cover your domestic partner would be the same premium amount you'd pay to cover your spouse. If you cover a domestic partner, you may select coverage for:

You and your domestic partner, or
You, all your legal dependents and your domestic partner.

Your contributions for coverage will be on a pre-tax basis for you and your eligible dependents and an after-tax basis for your domestic partner.

As described below, you'll also be charged with additional taxable income equal to the value of Advocate’s contributions to the medical and dental plans on behalf of your domestic partner.

For applicable federal, FICA, state, local or other payroll taxes, the full cost of Advocate’s share of your domestic partner coverage must be added to your income and taxed. The value of coverage for you and your eligible dependents remains tax-free.

Because of these tax issues, it's important to consider both the premiums and the additional taxes you'll pay when you evaluate the cost of covering your qualified domestic partner. The Estimated Imputed Income Chart shows the approximate value of Advocate's contributions for the medical and dental plans.

The amount(s) would be added to your taxable income, according to the type of coverage you choose.
The value of Advocate’s contributions that is taxable would be added to your earnings; your W-2 Form would show this "imputed income."
The monthly amount would be multiplied by 12, then divided over 26 pay periods and recorded on your paycheck each pay period.
The amount would show as earnings so that it can be taxed, but then shown as a deduction, since it isn't recorded as actual earnings.
An associate deduction for single coverage would also be shown on an after-tax basis for each plan in which your qualified domestic partner is enrolled.