Life Events & Benefit Changes
Life Events & Updating Your Benefits
Did you have a life event occur and you need to make changes to your benefits? Find out more on how to make these updates.
Changing Benefit Elections
Benefit elections you make when you become newly eligible for benefits or at open enrollment remain in effect through December 31st of the plan year, unless you experience a qualifying life event.
You may make changes to your medical, dental, vision, flexible spending account and/or dependent care account if you experience a qualifying life event such as:
- Marriage/Divorce
- Birth/Adoption/Dependent status change
- Employment status change affecting eligibility and/or cost
- Eligibility change related to Medicare, Medicaid or state Child Health Insurance Plan (CHIP)
Any changes you make must be “due to and consistent with” your qualifying life event.
You must consult with Human Resources within 30 days from the date of the event to make changes (or 60 days if the event is an eligibility change related to Medicaid or CHIP as described in more detail below). Contact Jordan Hilliard at jordan.hilliard@kingarthurbaking.com for information about how to update your benefits.
Please note: You do not need to experience a qualifying life event to change your Health Savings Account (HSA) contribution amount. You may make changes to your HSA at any time during the plan year. To update your HSA contribution, on ADP go to Myself > Benefits > Enrollments and click “Manage enrollment” under Year Round Enrollment.
Please click on the events below for further information on each life event to see what documentation is required to make changes.
Within 30 days of the date of marriage, you may add your spouse to your existing medical, dental, or vision coverage, or drop your coverage to go on your spouse’s plan. You may also elect to change your medical and dependent care FSA amount, and elect spouse coverage under our various life and long term care plans. You will need to complete the appropriate forms and provide a copy of your certified marriage certificate. You should also review your beneficiary designations for life insurance and retirement plans.
Within 30 days of the date the divorce decree is signed, you may elect any coverage you are losing under your spouse’s plan. If you currently cover your spouse, you must drop his or her coverage for medical, dental, vision, and group term life, although you may continue to cover your children. You may also elect to change your medical and dependent care FSA amount. You will need to complete the appropriate forms and provide a copy of the first and last pages of your certified divorce decree. You should also review your beneficiary designations for life insurance and retirement plans. Prior to the final decree, you may not drop a spouse except during Open Enrollment.
Within 30 days of the birth, adoption (official placement or final decree), or court order, you may add the child to your existing medical, dental, or vision coverage, or drop your coverage to go on your spouse’s plan. You may elect to change your medical FSA amount, and start or change a dependent care FSA. You may also elect child life insurance. You will need to complete the appropriate forms and provide a copy of the certified birth certificate, adoption placement order or decree, or court order.
Within 30 days of the death, you may elect any coverage you are losing under your spouse’s plan. If you currently cover your deceased dependent, you must drop his or her coverage for medical, dental, or vision although you may continue to cover the rest of your family. You may also elect to change your medical and dependent care FSA amounts. Again, you should review your beneficiary designations for life insurance and retirement plans. You will need to complete the appropriate forms and provide a copy of the certified death certificate.
If you and/ or your dependents are covered under Medicaid or a state Child Health insurance Program (CHIP) and lose eligibility for such coverage, you may be able to enroll yourself or your dependents in the medical plan, provided that you request enrollment within 60 days after the loss of coverage. Likewise, if you and/ or your dependents become eligible for Medicaid or CHIP premium assistance, you may be able to enroll yourself or your dependents in a health insurance program, provided that you request enrollment within 60 days after the date you are determined to be eligible for premium assistance.
Within 30 days of the date of the status change (such as moving between full-time and part-time), you may elect medical, dental, or vision coverage for yourself and your spouse and children, or drop your coverage to go on your spouse’s plan. You may also elect to change your medical and dependent care FSA amount. You will need to complete the appropriate forms and provide a letter from your spouse’s employer on their letterhead verifying the effective date of the change, listing all coverage being gained or lost, and listing all covered individuals.
Within 30 days of the separation or the new hire date, you may elect medical, dental, or vision coverage, or drop your coverage to go on your spouse’s plan. You may also elect to change your medical and dependent care FSA amount. You will need to complete the appropriate forms and provide a letter from your spouse’s employer on their letterhead verifying the effective date of the change, listing all coverage being gained or lost, and listing all covered individuals.
Within 30 days of the move, you may change your Option only to a plan that covers the area to which you moved.
Within 30 days of the Open Enrollment, you may elect medical, dental, or vision coverage, or drop your coverage to go on your spouse’s plan. You will need to complete the appropriate forms and provide a letter from your spouse’s employer on their letterhead verifying the effective date of the change, listing all coverage being gained or lost, and listing all covered individuals.
Within 30 days of the order, you may add the child to your existing medical, dental, or vision coverage or new coverage for yourself and the child. You will need to complete the appropriate forms and provide a copy of the Qualified Medical Child Support Order.
Within 30 days after enrolling in Marketplace coverage, you may drop medical coverage. You may not drop or change dental, vision or medical FSA coverage.