As a current employee, you can change your benefits mid-year if you experience an IRS Qualifying Life Event or QLE. A QLE is a change in your personal situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a Special Enrollment Period, allowing you to change your benefits outside of our yearly Annual Open Enrollment Period.
If you experience a life event during the plan year, you may be eligible to make changes to your existing benefit elections. The election change is only permitted when the life event is consistent with the change requested. Examples of a life event include: marriage, divorce, birth/adoption or placement for adoption of a dependent child, death, loss of coverage due to your loss of employment or spouse’s loss of employment or benefit eligibility. You must complete the benefit change form and provide supporting documentation within 30 days of the event. See your local HR representative for required forms.
If you’d like to change your current benefits but are not experiencing a QLE you will need to wait until the next annual open enrollment opportunity to change your coverage. We host annual open enrollment every fall.