In most instances, you can make changes to your benefits only during Open Enrollment. However, if you have a qualified change in status, you may be eligible to make changes to one or more of your benefit options. Some examples of qualified changes in status include:
- You get married, divorced or legally separated
- You add a new child through birth or adoption
- Your dependent no longer meets the definition of an eligible dependent (for example, your child turns age 26)
- Your dependent loses coverage elsewhere
Depending on the plan, other life events also may allow you to make a change. Changes you make to your benefits must be consistent with your change in status. if you had a new child through birth or adoption, you can enroll in or increase a Health Care Flexible Spending Account (FSA) annual election (prospectively), but you cannot decrease or terminate an existing FSA annual election. You must notify the Broadridge Benefits Center within 31 days of your qualifying change date or you cannot make changes until the next Open Enrollment period. Please refer to the SPD for each benefit option to review what mid-year changes are allowed. SPDs can be found on www.totalrewards.broadridge.com > My Benefits Enrollment > Library.