Answer: The benefit elections you make as a new hire or during Annual Enrollment will stay in effect for the entire plan year if you remain eligible for benefits. Each year, during the Annual Enrollment period, you have an opportunity to change your coverage elections for the following year. However, after Annual Enrollment ends, you can make changes to your health care and FSA coverage ONLY if they are on account of and consistent with a qualified change of status as defined by the Internal Revenue Service. Qualified status changes include:
- Marriage or registration of a domestic partner
- Divorce or separation from a registered domestic partner
- Birth or adoption of a child
- Death of a spouse/registered domestic partner or a child
- Change in your spouse/registered domestic partner’s employment
- Significant changes in your spouse/registered domestic partner’s employer’s medical coverage
- Child’s loss of eligibility due to age or marital status
- Full-time/part-time employment status change that results in an insurance eligibility change
- You, your spouse, or your dependent child becomes eligible for Medicare or Medicaid
- A judgment, decree, or court order requires a coverage change
- Commencement of or return from an unpaid leave of absence most status changes are easy to manage.
Most status changes are easy to manage. Simply complete a Benefit Election Form and return it to your department representative within 60 days after the event that caused the status change. You must include documentation of the event (such as a marriage license).
Most changes are made prospectively from the date that Human Resources receives a properly completed and signed Benefit Election Form. Exceptions are made for birth or adoption to comply with the special enrollment rights defined under the Health Insurance Portability and