Life is always changing, right? Certain life changes, called “qualifying events,” allow you to change your benefits mid-year. A few examples are:
- Having or Adopting a Child
- Getting Married
- Getting Divorced
- Enrolling a Domestic Partner
- Ending a Domestic Partnership
- Spouse, Domestic Partner or Dependent Gains Eligibility for employer’s plan
- Spouse, Domestic Partner or Dependent Loses Eligibility for employer’s plan
- Change in Dependent Daycare Expenses
You can make your changes as early as the date of the qualifying event, but not before. Your coverage starts on the date of the event itself, meaning it is retroactive back to the date the baby was born, the date you got married, etc. Since coverage is retroactive you may owe extra payments back to the date of the change.
You can make changes up to 31 days after most eligible qualifying events. If you don’t make these changes during that period, you’ll have to wait until the next annual enrollment period in October to make changes effective January 1.
Mid-Year Elections Checklist
- Change your benefit elections within 31 days of the qualifying event by visiting Your Benefits Resources
- Update your beneficiary information if needed
- Check your confirmation statement to ensure accuracy
- Provide dependent verification documentation by your deadline (if applicable)
- Watch your paychecks for retro deductions (if applicable) and make sure your new deductions are accurate
- Helpful tip: you may have other changes to make outside of your health elections. Think about your payroll tax deductions, your address, and your 401(k) and Stock Plan beneficiaries.