Life Events
Big life changes often mean changes to your benefits. Most events give you 30 days to update your coverage.
Marriage or Partnership
Getting married or adding a domestic partner lets you update your coverage.
- Add your spouse or partner to your plans
- Update beneficiaries
- Review coverage tier
New Child
Welcoming a child through birth or adoption is a qualifying life event.
- Add your child within 30 days
- Update dependent life insurance
- Review your budget and plans
Divorce or Separation
A divorce or legal separation may require you to remove a dependent from coverage.
- Remove a former spouse
- Update beneficiaries
- Review COBRA options for dependents
Moving
Relocating may change which provider networks are available to you.
- Confirm in-network providers
- Update your mailing address
- Review plan availability
Change in Employment
A change in your hours or job status can affect your eligibility.
- Confirm your eligibility
- Review coverage changes
- Ask HR about your options
Dependent Aging Out
Children typically lose eligibility at age 26.
- Review coverage end date
- Explore COBRA continuation
- Help them find new coverage
Important: You generally have 30 days from the date of a qualifying life event to make changes. Contact your HR/Benefits team as soon as possible to avoid missing the window.