Making a Change in Your Coverage Mid-Year
If you experience a qualified IRS change mid-year, you may be permitted to make a change provided the change is permitted by the IRS and your change request occurs within 31 days of the event. If the change request is not completed within 31 days of the event, you will not be able to change your elections until the following year’s annual benefits open enrollment period.
The following events may allow certain changes in benefits mid-year, if permitted by the Internal Revenue Service (IRS):
- Change in legal marital status (e.g., marriage, divorce/legal separation, death)
- Change in number or status of dependents (e.g., birth, adoption, death)
- Change in employee/spouse/dependent employment status, work schedule, or residence that affects eligibility for benefits
- Coverage of a child due to a Qualified Medical Child Support Order (QMCSO)
- Entitlement or loss of entitlement to Medicare or Medicaid
- Certain changes in the cost of coverage, composition of coverage or curtailment of coverage of the employee or spouse’s plan.
- Changes consistent with special enrollment rights and FMLA leaves
You must notify the plan within 31 days of a mid-year change-in-status event by making changes to your coverage and documentation supporting the change via the online enrollment system. The Plan will determine if your change request is permitted and if so, changes become effective prospectively, on the first day of the month following the approved change-in-status event (except for newborn and adopted children, who are covered back to the date of birth, adoption, or placement for adoption).
Please contact the Employee Benefits Department if you have questions.