Tax Withholding from payroll is determined by the number of exemptions that you claim on both federal and state tax forms. Your allowances will not always be the same because they depend on such variables as your marital status, the number of children in your family and their ages, your employment status, your spouse's employment status, your residence, etc. You should review your withholding periodically, and update it whenever a change in either marital status or the number of your dependents occurs. Insurance Eligibility changes as your family changes. Generally you may purchase coverage for your lawful spouse and children on the college group plan as long as they meet the definition of dependent.
Some exceptions apply for handicapped children.
Again, you should review your dependent status periodically to ensure that you are paying premiums for the correct coverage. You may change your coverage during a plan year if your dependent loses eligibility, the pre-tax premium plan notwithstanding. You must file certain documents with the benefits office to effect such a change. Beneficiaries may change as your family changes. You may want to add or remove dependents' names from your various policies.