Notice of Special Enrollment Rights
In general, IRS restrictions prevent you from making changes to your coverage elections during the plan year. This means that once you make your health plan elections at Open Enrollment, you may not drop dependents or change your coverage until the next Open Enrollment period. You may be able to add or drop dependents during the plan year (but not change your plan coverage) if you experience and report a life event, also known as a qualified status change. These changes include the following:
- You get married or divorced/legal separation.
- You acquire a dependent child through birth, adoption or placement for adoption.
- Your spouse or dependent dies.
- Your dependent no longer meets the plan’s eligibility requirements.
- Your spouse terminates employment or begins new employment.
- You or your spouse change from part-time work to full-time work (or vice-versa).
- You or your spouse has a significant change in the cost of health care coverage.
- You are required to provide dependent medical coverage as a result of a valid court decree that meets the requirements of a Qualified Medical Child Support Order (QMCSO).
- You or your dependent’s Medicaid or SCHIP coverage is terminated as a result of loss of eligibility. (An employee must be given at least 60 days after the date of termination of the coverage to request special enrollment.)
- You or your dependents become eligible for a state premium assistance subsidy under the plan from Medicaid or SCHIP. (An employee must be given a period of at least 60 days after the date on which eligibility for premium assistance has been determined to request special enrollment.)
Any benefit enrollment change you make must be consistent with your qualified status change. To change your coverage, enter the status change online through the Benefit Enrollment System via the ADP portal within 30 calendar days (or 60 days as noted above) of the date you experience the status change. A request for the required documentation of your status change will be mailed to your home address. Your new elections will be effective on either the date of your status change or the date your status change was processed, and retroactive payroll deductions may be withheld. If you do not complete your status change online within the 30 calendar day (or 60 days as noted above) period, you must wait until the next Open Enrollment period to change your benefits.