Making Benefits Changes Outside of Annual Enrollment (Qualifying Life Events)

The IRS only allows you to make changes to your benefit elections once a year, during the Annual Enrollment period, unless you experience a Qualifying Life Event, such as:

• Marriage
• Birth, adoption, or legal guardianship
• Divorce
• Death of spouse
• Death of child
• Employee and/or dependent gains coverage elsewhere
• Employee and/or dependent loses coverage elsewhere
• Loss of dependent status
• Gain/loss of eligibility for Medicare, Medicaid or the Children’s Health Insurance Program (CHIP)
• Receiving a Qualified Medical Child Support Order (QMCSO)