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Once you enroll as a new hire or during Annual Enrollment, you generally will not be able to change most of your benefits until the next Annual Enrollment, typically held each fall, unless you experience a Qualifying Life Event (QLE), as defined by the IRS.
A QLE is a change that affects your or an eligible dependent’s benefits eligibility. When you experience a QLE, you’re allowed to make certain changes to your current benefits. Any change in benefits must be consistent with the QLE. For example, if you get married, you may add your spouse (and any eligible dependent children) to your medical plan or cancel your medical coverage to join your spouse’s medical plan.
If you do not have a paycheck for a period (or the paycheck is insufficient), coverage will continue if elected, but employees are required to make up missed deductions out of future paychecks until the full amount has been repaid. The employer will not deduct more than two times the standard pay period benefit deduction from any paycheck.
If you experience a QLE during the year, you may make the associated changes to your current benefit elections by logging on to Benefits4MeEnroll.com. You must make any needed benefits changes within 31 days of your QLE, and you will need to show necessary supporting documentation (e.g., marriage certificate, birth certificate, etc.) within 31 days of the status change. Otherwise, you will have to wait until the next Annual Enrollment to make the change. Any change(s) you make will be retroactive to the date of the QLE.
Visit Life & Work Events for information on the changes that are allowed based on the event and the benefits available to support you through it.
Log in to Benefits4MeEnroll to process a QLE.
You have 31 days from the date of the QLE to make changes to your benefits. If you do not take action during this time, your coverage will continue as is and you may make changes during the next Annual Enrollment.