Life Events

Because most benefits are paid for on a pre-tax basis, federal law limits your ability to make changes during the year.  This means that you may only change your elections during annual enrollment unless you experience a "Life Event" or "Special Enrollment Event" at any time during the year. 

A "Life Event" or "Special Enrollment Event" is defined as:

  • Marriage
  • Divorce/legal separation/annulment
  • Birth
  • Adoption
  • Spousal employment change
  • Dependent eligibility
  • Death

These events will allow you to add or drop coverage, and/or to change your established medical benefit plan.  You must submit the appropriate change forms to the HR-Benefits staff within 30 days of the date on which the change occurred (90 days after a birth or adoption).  After the 30 days have passed, annual enrollment is the only time that you can make changes to your benefits.

Adding New Family Members

Spouse or Stepchildren:  You must submit the appropriate enrollment form to the HR-Benefits within thirty (30) days of the date of your marriage.  Coverage for your spouse and/or stepchildren will start on the date of marriage.

Newborns and Children Placed for Adoption:  You must submit the appropriate enrollment form to the HR-Benefits within ninety (90) days of the date of placement for your adopted child.  Coverage starts on the date of birth or date of placement.

Disabled Children or Disabled Dependents:  You must submit the appropriate enrollment form to the HR-Benefits within thirty (30) days of the date of eligibility.  Coverage starts on the date of eligibility.

If the enrollment form is received after the application period, your spouse and/or dependents must wait until the next annual enrollment to apply for coverage.