The elections you make during annual enrollment will remain in effect for the plan year until the next annual enrollment period, January 1 through December 31 each year. If your life or family status changes during that time, however, you may be permitted to change your benefits coverage to accommodate your new situation. If you have enrolled in a plan, you cannot change your election but may modify the level of your coverage. Generally, you may change your elections if:
- You get married or divorced.
- You gain or lose a dependent (such as through birth, death, or adoption).
- Your spouse takes or loses a job that provides benefits.
If any such event occurs, within 30 days of the event you need to complete an enrollment/change form. You may be required to provide documentation verifying the change. The chart below shows some examples of enrollment changes permitted by a change in your life or family status.
|Medical||Life Insurance||Dependent Care Assistance Account|
Affidavit of Marriage Form
|Employee may enroll newly eligible spouse and dependent children.||May enroll spouse subject to evidence of insurability, and/or dependent children without evidence of insurability.||May enroll or increase to accommodate newly acquired dependents, decrease or cease spouse coverage if they are not employed.|
|Divorce or Death
of Spouse, Legal Separation or Annulment
|May revoke election only for spouse where applicable. Employee may elect coverage for self or dependents who lose eligibility under spouse’s plan if such individual loses eligibility as a result of the divorce, legal separation, annulment, or death.||Employee may increase optional insurance subject to evidence of insurability. May drop spouse or increase dependents subject to evidence of insurability.||May enroll or increase to accommodate newly eligible dependents (e.g., due to divorce from non-working spouse) or decrease or cease coverage if eligibility is lost due to an event (e.g., dependent now resides with ex-spouse).|
|Death of Dependent or Spouse||Employee may drop coverage only for the dependent or spouse who becomes deceased.||May drop coverage of dependent or spouse.||May decrease or stop election for a dependent who dies.|
|Employee may elect or increase coverage for newly acquired dependent and any other dependents who were not previously covered.||May add coverage without evidence of insurability.||May enroll or increase to accommodate newly eligible dependent(s).|
Employment or Other Employment Event (e.g., going from part time to full time with benefits)
|Employee may revoke election for employee, spouse or dependent coverage if employee, spouse, or dependent is added to spouse’s coverage.||Changes can only be made subject to evidence of insurability.||Employee may make or increase election to reflect new eligibility (if spouse previously did not work or if their work has changed, such as part time to full time).|
|Spouse Termination or Other Change in Employment
Such as Unpaid Leave, Full Time to Part Time, Strike Resulting in Lost Eligibility.
|Spouse and/or dependents may be added to employee’s plan.||Changes can only be made subject to evidence of insurability.||May enroll or decrease the election.|