Navigating Life Changes

Once enrolled, you can make mid-year changes to your benefits within 30 days of a change in life status (Qualified Life Event).

The mid-year changes you are eligible to make depend on the type of life status change you have experienced. If you miss this 30-day Special Enrollment Period deadline, you will not be able to enroll yourself or your dependents until the next Open Enrollment window.

Qualified Life Event changes will be effective on the first of the month following timely notification of the qualified life event, except for the birth or adoption of a child, which will be effective on the date of the event.

To make a change to your benefits following a Qualified Life Event, visit the Benefits and Pay hub, click on Change Benefits, then select the proper event type (Birth, Marriage, Loss of Other Coverage, etc.) from the drop downs.

Qualified Life Events include:

  • You marry or divorce.
  • You or your spouse give birth or adopt a child.
  • Your spouse has a change in employment status, causing gain or loss of coverage for you or your dependents.
  • You lose your current coverage under a different plan.
  • Your spouse or a dependent pass away.
  • Your dependent child is no longer eligible or is newly eligible.

Step-by-step instructions can also be found in VyGuide under Making or Changing Your Benefit Elections, procedure.