Life Events: When I Can Change My Benefits
Open enrollment is held once each year in the fall. During this time, you can change your benefits plans, add and drop dependents, and add or drop coverages. If you make changes during open enrollment, your new coverage is effective on January 1 of the new plan year. Enrollment for Life insurance is subject to the approval of your Medical History Statement by the carrier. This is also the time to enroll in the Flexible Spending Account program (Health Care and Dependent Care). You must re-enroll every year, even if you had an account the previous year. Open enrollment can be done on line, or with paper forms.
Adding dependents? You'll be asked to verify your dependents' eligibility for City benefits.
Change in Family Status
You may add or remove medical/dental/vision and AD&D coverage for dependents during the plan year if any of these changes in family status occur:
- Birth, adoption or placement for adoption of a child (within 60 days of birth/adoption)
- Loss of a child's, spouse's or domestic partner's eligibility under another health plan (within 31 days of loss of eligibility)
- Marriage or formation of a domestic partnership (within 31 days of marriage/formation of domestic partnership)
- Divorce or termination of a domestic partnership (within 31 days of divorce/termination of domestic partnership)
Any change you make must be consistent with the change in family status. Here are several examples:
- If you adopt a child, you may add coverage for that child (within 60 days of birth/adoption; however, you may not add coverage for your other children at that time)
- If your child loses coverage under your spouse's coverage, you may add this child to your plan.(within 31 days of loss of eligibility)
- If you get married or form a domestic partnership, you may enroll your new spouse or domestic partner and his/her eligible children.(within 31 days of marriage/formation of domestic partnership)
- If you divorce, you must discontinue your (ex)spouse's coverage.(within 31 days of divorce/termination of domestic partnership to avoid paying premiums after coverage is terminated)
You'll be asked to verify your dependents' eligibility for City benefits.