Other Life Changes
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In addition to marriage, divorce, adding or removing a dependent, preparing for retirement and experiencing death in your family, there are a few other qualified life events that give you the opportunity to make changes to your benefits package. These include:
- Employment status changes of employee, dependent or spouse, which affects eligibility to enroll in Carilion’s medical benefits.
- Starting or returning from an unpaid leave of absence, which causes a loss or gain in coverage.
- Judgment, decree or order changing legal custody.
- Cost and/or coverage changes in employee’s, dependent’s or spouse’s medical plan.
- Enrollment in an insurance plan through the Health Insurance Marketplace, also known as the health insurance “exchange.”
- Entitlement to, or loss of, eligibility for Government-sponsored programs.
Changes to your coverage must be related to the qualifying life event. For example, you may need to add a dependent to your medical plan due to loss in employment where the dependent was enrolled in medical benefits. In this situation, you can change your dental benefit coverage to Employee Plus Spouse or Family coverage, but you may not switch your coverage from Basic to Comprehensive.
You may need to make changes in these areas if you add or remove dependents.
- Beneficiary: You may need to update beneficiary designations for retirement or life insurance.
- Life Insurance
- Flexible Spending Accounts:
- Dependents
