What You Need to Know

You choose your benefits based on what works best for you and your family. But what happens if you have changes in your life that impact your benefit needs or eligibility for benefits? Know what happens if you have a qualified life event so you’re ready if the time comes.

Qualified Life Events

After your initial enrollment when you first become eligible for benefits, you can make changes to your coverage every year during Annual Enrollment. Be sure to consider your choices carefully before you make your benefit elections. Once you make your elections, they will remain in effect from January 1 through December 31, unless you have a qualified life event, such as:

  • Marriage, divorce, or legal separation
  • Birth or adoption of a child
  • Death of a dependent
  • Change in residence or work location that impacts your or your dependent’s benefits eligibility
  • Loss of dependent eligibility under another plan
  • Change in your spouse’s employment that results in a loss or gain of medical, dental, and/or vision coverage through his/her employer
  • You and/or your dependent has Medicaid or Children’s Health Insurance Program (CHIP) coverage that has been terminated, or you and/or your dependent becomes eligible for a state-premium-assistance subsidy through one of these programs
  • There is a significant mid-year increase in the cost of coverage
  • You enroll in Medicare, Medicaid, or insurance through a Marketplace/Exchange

Making a Mid-Year Change

To make a mid-year change to your coverage, you must notify your Human Resources Department within 31 days of the event.

The change you make must be consistent with the life event. For example, if you give birth or adopt a child, you can enroll your new child in your Company medical plan or enroll in or increase your Dependent Care Flexible Spending Account (FSA) contribution, but you cannot drop coverage entirely unless you are moving onto your spouse’s plan as a result of the change.*

If your change is due to the birth or adoption of a dependent child, your change will go into effect on the date of that event. All other qualified life events will go into effect on either the date your paperwork is received by the Human Resources Department or the date of the qualified life event, whichever date is later.

* Contact your Human Resources Department for additional information based on your individual life event. Please note that the Transportation and Parking Program and some voluntary benefits through MetLife (e.g., auto or pet insurance) where employees enroll by contacting the vendor directly can be cancelled at any time by contacting the vendor.