Last updated: August 23, 2023
Once you're enrolled in a group insurance plan, you can only change your insurance coverage if you experience one of the life events listed below. However, depending on your plan, you may be able to change your optional benefits at any time, even without a life event occurring.
- Marriage or new common-law spouse
- Separation or divorce
- Birth, adoption of a child or return to school
- Loss or gain of a spouse's coverage, for a reason other than personal choice
- Death of a dependent
- Termination of a dependent's eligibility because of their age
The person responsible for your plan is usually the only person who can make changes to insurance options. However, under some plans, members can make changes themselves. If that's the case for you but it's NOT your plan re-enrollment period right now, follow this procedure.
Do you have a flexible plan and it's now your re-enrollment period?
If so, refer to the
Enroll in your plan procedure to update your insurance options.
Before you start
- You have
31 days to inform us of a life event. After the 31-day period, you will have to inform the person responsible for your plan.
- Our intuitive tool will guide you through the enrollment process. If you have questions along the way, use the
Help tool or contact the person responsible for your plan.
- You might see different options and fields than what's shown here, depending on your plan. If there's any information you can't see or make changes to, contact the person responsible for your plan.
Steps
- Log in to your account.
Need help logging in?
- Click
Your account, then
Enrollment and coverage.
Don't see this option?
That probably means your plan doesn't allow you to change your insurance options online. You will have to ask the person responsible for your plan to do it for you.
- To update your insurance options, click
Life Event Change.
Don't see this option?
That probably means your plan doesn't allow you to change your insurance options online. You will have to ask the person responsible for your plan to do it for you.
Select the life event type and enter the date on which it occurred, then click
Next. Depending on your plan, you may be able to change your
optional benefits at any time by selecting the
Optional benefit change without life event option. If that option doesn't appear, please contact your plan administrator to make changes to your optional benefits.
A window will appear indicating that you may be required to provide supporting documents to prove the date of the life event. Click
I Agree to continue.
Make sure the information displayed on the screen is accurate, then click
Next.
Go through the various steps and make changes as needed. When you get to
Your Enrollment Summary review your modifications and click
Next.
Click
Submit to finalize the changes to your account.
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