I am Experiencing a Life Event
When you enroll in benefits your benefit elections remain in effect to the end of the plan year. You cannot make any changes until the Open Enrollment period unless you experience a qualified life event and the benefit change is consistent with the event. In most cases, unless otherwise noted, you have 30 days from the date of the event to make a change to your benefits.
Employees may elect to pay their portion of the family health and/or dental insurance premiums with pre-tax dollars instead of post-tax. Enrollment in this option will result in lower Federal and State Income Tax and Social Security and Medicare Tax withholding and therefore greater take-home pay. Participation begins when your first health and/or dental insurance premium is deducted from your payroll, providing you enroll at the same time you enroll in the insurance plan(s). You have 30 days from the date of employment to enroll in the option, but if you delay enrollment beyond the time you enroll in the insurance plan(s), the first premium deduction may not be made pre-tax.
Qualified events are defined by Section 125 of the Internal Revenue Code, based on individual circumstances and plan eligibility. This list may not apply to every benefit plan.
The following is a list of life events that may enable you to change your benefit elections.
What I Need to Do When...
- I am turning 65
- My spouse is turning 65
- I need to take a leave of absence
- I am having a baby
- I am adopting a child
- I am getting married, declaring a domestic partnership or common law union
- I am getting divorced or dissolving my domestic partnership
- My spouse or dependent is changing or losing coverage
- My child is turning 26 or graduating college
- A death occurs
- I am Moving Out of the Plan Area
- During Open Enrollment
- I have a change in employment status