MAKING CHANGES Generally, you may only make changes to your benefit elections during an annual open enrollment period, unless you experience a Qualified Life Event. Common life events that may affect a change to your current elections include: Change in Marital Status Birth, legal adoption or placement for adoption of a dependent child Dependent child reaches limiting age
Spouse gains or loses employment eligibility with current employer’s sponsored plan Spouse or dependent becomes eligible or ineligible for Medicare/Medicaid CHIP Change in residence that affects eligibility for coverage
Court-ordered change Death of a dependent
Any change to your benefits must be consistent with the Qualified Life Event. You must submit your change request along with proof (i.e., marriage certificate, divorce decree, birth certificate, or loss/gain of coverage letter) within 30 days following the life event. All requested enrollment changes due to qualifying events, except for a birth of a child or as otherwise permitted by IRS Section 125 rules, are made effective on the first of the month following the date of the request. WHEN COVERAGE ENDS If you leave the company, the following plan termination rules apply for when your coverage will end following your employment termination. Medical, Medical GAP, Dental, Vision* - last day of the calendar month
Health Savings Account - last day of the calendar month Life and Disability Insurance - on your termination date Aflac Benefits, Legal Plan, Pet Insurance - last day of the calendar month
*Upon termination you will have the option to continue these coverages through COBRA. Portability and conversion options may be available for certain benefits.
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