When You Can Enroll or Change Your Benefit Elections There are only three times when you can enroll in or change your benefit elections:
• During the annual Open Enrollment period • When you gain eligibility as a new hire • When you have a qualifying life event (QLE)
Annual Open Enrollment This is the one time of year you can make changes, add or drop coverage without experiencing a Qualifying Life Event. If you miss the Open Enrollment deadline, it will be necessary for you to wait until the next Open Enrollment period, or experience a Qualifying Life Event, to adjust your enrollment elections. New Hire Eligibility Coverage begins on the first of the month following the date of hire, unless this date is on the first of the month, in which case your coverage is effective that day. You must enroll within 30 days of becoming eligible.
Qualifying Life Event (QLE) A QLE allows you to enroll in or change your benefit elections. You must enroll within 30 days of the qualifying life event. A qualifying life event, defined by the IRS as: • Marriage, divorce, legal separation or annulment
• Birth or adoption of child • Loss of other health care • Eligibility changes for you or your dependents
Page 3
Made with FlippingBook - Online catalogs