Eligibility & Making Changes

Eligibility

If you’re a full-time U.S. employee working 30 hours or more per week, you and your eligible dependents may enroll in benefits. Coverage will begin on the first day of the month following your date of hire. Temporary and contract employees are not eligible for benefits.

Eligible dependents include:

Your legal spouse or your domestic partner (a domestic partner affidavit is required)
Your children up to age 26
Your children of any age, if incapable of self-support due to a mental or physical disability

What to Know About Domestic Partner Coverage

To enroll your domestic partner and/or their children on your plan(s), you must complete a Declaration of Domestic Partnership affidavit and return it to the benefits department.
The IRS considers the employer-paid portion of your domestic partner’s health coverage to be a taxable benefit that must be included in your gross income. This means that amount that Wilbur-Ellis pays toward your domestic partner’s benefit premiums will appear as taxable (imputed) income on your paycheck.

Making Changes

The choices you make when you first become eligible are in effect for the remainder of the plan year. Once you are enrolled, you must wait until the next open enrollment period to change your benefits or add/remove coverage for dependents, unless you have a qualified change in family status as defined by the IRS.

Examples include, but are not limited to, the following:

Marriage, divorce, legal separation, or dissolution of domestic partnership
Birth or adoption of a child
Change in your work status that affects your benefits
Change in eligibility for Medicaid or Medicare

Note: You have 30 days from the life event date to make changes to your coverage.

To Complete Your Benefits Change

Please submit documents within 30 days of the Qualified Life Event in Workday.

Submitting a Qualifying Life Event Change Request
Proof of relationship if adding a dependent (ex: marriage license, birth certificate)
Proof that you experienced a corresponding qualifying life event within the past 30 days. Please review the list of Qualifying Life Events below for the proof needed for your qualifying life event.

No additional changes can be made after the 30-day deadline. If you miss the 30-day window, you will not be able to change your Wilbur-Ellis coverage until Open Enrollment or if you experience another qualifying life event.

When Will My Benefit Changes Take Effect?

Benefit changes are always prospective, taking effect the first of the month following the receipt and approval of all required documentation. Avoid double coverage or a lapse in coverage by starting the process as soon as possible. It may take time for you to obtain all the required documentation.

There are no mid-month or retroactive changes in coverage or premiums due (except for the birth or adoption of a child). Employees are responsible for paying the monthly premiums for every month they are enrolled in Wilbur-Ellis medical, dental, vision, or other coverage.

Example 1: My spouse resigned from their job, and their coverage ended on 1/30/26. I submitted my paperwork to benefits on 1/27/26. However, the Wilbur-Ellis benefits team still needed documentation showing proof of loss. My spouse’s former employer did not supply the proof of loss until 2/6/26. Because all required documentation was not submitted until 2/6/26, my spouse’s coverage with Wilbur-Ellis will begin on 3/1/26. My spouse will need to enroll in COBRA coverage offered from their former job, if they need coverage for February.

Example 2: My spouse resigned from their job and their coverage ended 1/30/26. I submitted my paperwork to benefits 1/16/26. However, the Wilbur-Ellis benefits team still needed documentation showing proof of loss. My spouse’s former employer did not supply the proof of loss until 1/27/26. Because all required documentation was submitted in January, my spouse’s coverage with Wilbur-Ellis will begin on 2/1/26. However, I may have missed the payroll cutoff, so my new employee + spouse premiums may not be reflected on my first February paycheck. I may have double deductions on my next paycheck. In addition, my spouse may not receive their medical insurance card in the mail before 2/1/26.

Example 3: My spouse gained new coverage from a new job and their coverage began on 2/15/26. I submitted my paperwork to benefits 3/8/26. Because all required documentation was submitted in March, my spouse’s coverage with Wilbur-Ellis will end 4/1/26. My new employee-only premium will be reflected on my paychecks beginning in April. I will not receive any refunds for my spouse’s February and March coverage.

What Changes Can I Make?

If you are changing your benefits outside of Open Enrollment, all changes must be on account of and consistent with your qualifying life event. You can only make corresponding changes to the plans the affected individual gained or lost within 30 days.

If the new coverage started or coverage ended more than 30 days, ago, you cannot make changes. All changes are prospective only (except for the birth or adoption of a child), so start the process early to avoid double coverage or lapse in coverage.

Employees are responsible for paying the monthly premiums for every month they are enrolled in Wilbur-Ellis medical, dental, vision or other coverage.

Example 1: As a result of my spouse ending employment, I lost medical and vision coverage through my spouse’s employer. I can add medical and vision coverage with Wilbur-Ellis. However, I cannot add dental coverage since I did not lose dental coverage.

Example 2: My child receives a job with benefits and enrolled in medical coverage. I can drop my child from medical only. I cannot drop them from dental or vision since they did not gain new dental or vision coverage. I cannot drop my spouse or other children from coverage since they did not gain new coverage.

How Will I Know My Benefit Change Request Has Been Approved?

Check your Wilbur-Ellis email regularly to ensure your request has been approved and processed. You should also review your benefit summary in Workday to review that the changes were correctly completed (you’ll need to enter the coverage effective date to see future changes). In addition, you should review your paystub to ensure your deductions from your paycheck are accurate.

You must submit all required documentation within 30 days of the event. Please review the list of Qualifying Life Events below for more information.

What If I Miss the 30 Days?

No additional changes can be made after the 30-day deadline. If you miss the 30-day window, you will not be able to change your coverage until Open Enrollment or if you experience another qualifying life event. There are NO exceptions.

Qualifying Life Events

Legal or Common Law Marriage

A new legal marriage or a new common-law marriage are approved qualifying life events to make changes to your benefits. Please see important information below.

Deadline	You have 30 days from your date of marriage to make changes to your benefits. However, we encourage you to start the process as soon as possible. For a change to be approved, all required documentation must be submitted before day 30. No additional changes can be made after the 30-day deadline. If you miss the 30-day window, you will not be able to change your coverage until Open Enrollment or if you experience another qualifying life event. There are NO exceptions.
Required Documentation	To complete your status change. Please submit the below required documents within 30 days of your event. 1.Submitting a Qualifying Life Event Change Request 2. Marriage License or Signed Wilbur-Ellis Common Law Affidavit. 3. If dropping Wilbur-Ellis coverage, Proof of new enrollment from spouse’s employer that includes all of the following: a. Employer Name b. Name of Insured c. Type of coverage enrolled in (Medical, Dental, Vision) d. Date coverage Began e. Reason for Enrollment (IE: Marriage)
Date Coverage Begins or Ends	Benefit changes are always prospective, taking effect the first of the month following the receipt and approval of all required documentation. We encourage you to start the process as soon as possible to avoid gaps in coverage and double payroll deductions. We cannot add or drop coverage retroactively. Employees are responsible for paying the monthly premiums for every month they are enrolled in Wilbur-Ellis medical, dental, vision, or other coverage.
Allowable Health Insurance Changes	An employee can add their new spouse, and any new or previous dependents to Medical, Dental, or Vision Coverage.If you are enrolling your new spouse or new stepchildren, you can enroll for the first time. Can drop coverage for yourself or dependents that gained corresponding new employer coverage. Example: As a result of marriage, I enrolled in my spouse’s medical and vision coverage through their employer. I can drop my medical and vision coverage with Wilbur-Ellis. However, I cannot drop my dental, since I did not enroll in my new spouse’s dental coverage.
Allowable Supplemental Life Changes	You can add or increase your employee or child supplemental life coverage. However, you must submit an Evidence of Insurability Form and be approved by Unum for the coverage. You can drop or decrease employee or child supplemental life coverage. Note, you can decrease or drop voluntary life coverages at any time. You can enroll your spouse in spouse life coverage, at any level.
Allowable Voluntary Benefits Changes (Critical Illness, Accident, Hospital)	You can drop or decrease coverage. Note, you can drop or decrease voluntary benefits at any time. You can enroll your spouse in coverage. If you are enrolling your spouse, you can enroll for the first time.
Allowable Flexible Spending Account Changes	Can enroll in the HCFSA or increase elections. Can change DCFSA elections if daycare needs change as a result of the marriage.
Other Important Information	Please see the below tips, that may be applicable. You may want to make changes to your HSA contributions. You may want to change your beneficiaries for your Life insurance, 401k, and HSA. Update all contact information in Workday. Update W4 and Direct Deposit in Workday. After your name is legally changed with the social security administration, update your name with your P&C Generalist or Business Partner.

Note: No additional changes can be made after the 30-day deadline. If you miss the 30-day window, you will not be able to change your Wilbur-Ellis coverage until Open Enrollment or if you experience another qualifying life event.

Birth or Adoption of Child

The birth of a child or a legal adoption are qualifying event to make changes to your benefits. Your Newborn is NOT automatically added to your coverage. You MUST take action. Please see important information below.

Deadline	You have 30 days from the birth or adoption of your child to make changes to your benefits. However, we encourage you to start the process as soon as possible. For a change to be approved, all required documentation must be submitted before day 30. No additional changes can be made after the 30-day deadline. If you miss the 30-day window, you will not be able to change your coverage until Open Enrollment or if you experience another qualifying life event. There are NO exceptions.
Required Documentation	To complete your status change. Please submit the below required documents within 30 days of your event. 1. Submitting a Qualifying Life Event Change Request 2. Birth Certificate, Baby Footprint Card, or Adoption Certificate. 3. If dropping Wilbur-Ellis coverage, Proof of new enrollment from spouse’s employer that includes all of the following: a. Employer Name b. Name of Insured c. Type of coverage enrolled in (Medical, Dental, Vision) d. Date coverage Began e. Reason for Enrollment (IE: birth of baby)
Date Coverage Begins or Ends	Newborns or newly adopted children will be added to coverage retroactively back to the date of birth or adoption. Any additional coverage changes take effect the first of the following month after the approval of your status change. We encourage you to start the process as soon as possible to avoid gaps in coverage and double payroll deductions. Employees are responsible to pay the monthly premiums for every month they are enrolled in Wilbur-Ellis medical, dental, vision, or other coverage.
Allowable Health Insurance Changes	An employee can add their new child, and any new or previous dependents to Medical, Dental, or Vision coverage. If you are enrolling your new child, you can enroll for the first time. Can drop coverage for yourself or dependents that gained corresponding new employer coverage. Example: As a result of a birth of child, my newborn baby and I enrolled in my spouse’s medical and vision coverage through their employer. I can drop my medical and vision coverage with Wilbur-Ellis. However, I cannot drop my dental since I did not enroll in my spouse’s dental coverage.
Allowable Supplemental Life Changes	You can add or increase your employee or spouse supplemental life coverage. However, you must submit an Evidence of Insurability Form and be approved by Unum for the coverage. You can drop or decrease employee or spouse supplemental life coverage. Note, you can decrease or drop voluntary life coverages at any time. You can enroll your newborn in child life coverage.
Allowable Voluntary Benefits Changes (Critical Illness, Accident, Hospital)	You can drop or decrease coverage. Note, you can drop or decrease voluntary benefits at any time. You can enroll your child in coverage. If you are enrolling your child, you can enroll for the first time.
Allowable Flexible Spending Account Changes	Can enroll in the HCFSA or increase elections. Can change DCFSA elections if daycare needs change as a result of the birth or adoption.
Other Important Information	Please see the below tips, that may or may not be applicable to you. Under state laws, your baby is automatically covered by both parents plan for the first 31 one days. You will need to complete the above steps to enroll the baby beyond the initial 31 days. If you are enrolled in the PPO-HSA plan at the employee only level, this plan has a non-embedded deductible. Therefore, you will move to the Family Deductible/Out of Pocket Maximum amounts at time of birth, regardless of if you are adding baby to Wilbur-Ellis coverage. We do not need the newborn’s social security number to add them to coverage. However, once you receive it, you are required to provide this information. You may want to make changes to your HSA contributions. You may want to change your beneficiaries for your Life Insurance, 401k, and HSA.

Divorce or Legal Separation

A divorce or Legal Separation are qualifying events to make changes to your benefits. You MUST take action to remove ineligible dependents. Please see important information below.

Deadline	You have 30 days from your date of divorce or legal separation to make changes to your benefits. However, we encourage you to start the process as soon as possible. For a change to be approved, all required documentation must be submitted before day 30. In the event of a divorce, you MUST remove your former spouse and former stepchildren from coverage within 30 days. Your former spouse will be issued COBRA and can enroll in COBRA within 60 days.
Required Documentation	To complete your status change. Please submit the below required documents within 30 days of your event. 1. Submitting a Qualifying Life Event Change Request 2. Stamped & Signed Divorce Decree or Decree of Legal Separation 3. Address of your former spouse to issue COBRA paperwork 4. If adding Wilbur-Ellis coverage, proof of coverage ending from former spouse’s employer that includes all of the following: a. Employer Name b. Name of Insured c. Type of coverage enrolled in (Medical, Dental, Vision) d. Date coverage ended e. Reason for covering ending (IE: Divorce/Legal Separation)
Date Coverage Begins or Ends	Benefit changes are always prospective, taking effect the first of the month following the receipt and approval of all required documentation. We encourage you to start the process as soon as possible to avoid gaps in coverage and double payroll deductions. We cannot add or drop coverage retroactively. Employees are responsible to pay the monthly premiums for every month they are enrolled in Wilbur-Ellis medical, dental, vision, or other coverage.
Allowable Health Insurance Changes	If the event is a divorce, you MUST terminate coverage for former spouse and former stepchildren. For a legal separation, can optionally drop coverage for former spouse and stepchildren with proof of new coverage. Can add coverage for yourself and/or children that lost corresponding employer coverage as a result of the divorce. Example: As a result of a divorce, I lost medical and vision coverage through my former spouse’s employer. I can add medical and vision coverage with Wilbur-Ellis. However, because, I was not enrolled in Dental coverage with my former spouse’s employer, I can not enroll in Dental coverage with Wilbur-Ellis.
Allowable Supplemental Life Changes	You can add or increase your employee or child supplemental life coverage. However, you must submit an Evidence of Insurability Form and be approved by Unum for the coverage. You can drop or decrease employee or child supplemental life coverage. Note, you can decrease or drop voluntary life coverages at any time. You are required to cancel spouse life coverage.
Allowable Voluntary Benefits Changes (Critical Illness, Accident, Hospital)	You can drop or decrease coverage. Note, you can drop or decrease voluntary benefits at any time. You are required to drop coverage for your former spouse. You can add coverage if you have a loss of like coverage from your former spouse’s employer.
Allowable Flexible Spending Account Changes	Can enroll in the HCFSA or increase elections. Can change DCFSA elections if daycare needs change as a result of the divorce.
Other Important Information	Please see the below tips, that may or may not be applicable to you. You may want to make changes to your HSA contributions. You may want to change your beneficiaries for your Life Insurance, 401(k), and HSA. Update your contact information in Workday. Update your W4 or Direct Deposit in Workday. After your name is legally changed with the social security administration, update your name with your P&C Generalist or Business Partner. If there is a Qualified Domestic Relations Order (QDRO) for your Pension or 401(k) they must be submitted within 90 days to the appropriate vendor. We will need your former spouse’s mailing address, as they will be issued COBRA. Your former spouse has 60 days to enroll in coverage through COBRA.

Spouse or Dependent Gains New Employer Coverage

If your spouse or dependent child has a job change or becomes newly eligible for employer coverage, this is an event where you can make changes to your benefits. Please see important information below.

Deadline	You have 30 days from the date new coverage begins to make changes to your benefits. However, we encourage you to start the process as soon as possible. For a change to be approved, all required documentation must be submitted before day 30.
Required Documentation	To complete your status change. Please submit the below required documents within 30 days of your event. 1. Submitting a Qualifying Life Event Change Request 2. To drop Wilbur-Ellis coverage, proof of new enrollment from spouse or dependent child’s employer that includes all of the following: a. Employer Name b. Name of Insured c. Type of coverage enrolled in (Medical, Dental, Vision) d. Date coverage began e. Reason for Enrollment (IE: New Hire or transferred from part-time to full-time and now newly eligible for coverage)
Date Coverage Begins or Ends	Benefit changes are always prospective, taking effect the first of the month following the receipt and approval of all required documentation. We encourage you to start the process as soon as possible to avoid gaps in coverage and double payroll deductions. We cannot add or drop coverage retroactively. Employees are responsible to pay the monthly premiums for every month they are enrolled in Wilbur-Ellis medical, dental, vision, or other coverage.
Allowable Health Insurance Changes	Can drop coverage for yourself or dependents that gained corresponding new employer coverage. Example: As a result of my spouse obtaining a new job, I enrolled in my spouse’s medical and vision coverage through their employer. I can drop my medical and vision coverage with Wilbur-Ellis. However, I cannot drop my dental since I did not enroll in my new spouse’s dental coverage.
Allowable Supplemental Life Changes	You can add or increase your employee, child, or spouse supplemental life coverage. However, you must submit an Evidence of Insurability Form and be approved by Unum for the coverage. You can drop or decrease employee, spouse, or child supplemental life coverage. Note, you can decrease or drop voluntary life coverages at any time.
Allowable Voluntary Benefits Changes (Critical Illness, Accident, Hospital)	You can drop or decrease coverage. Note, you can drop or decrease voluntary benefits at any time.
Allowable Flexible Spending Account Changes	Can change DCFSA elections if daycare needs change as a result of the job change.
Other Important Information	Please see the below tips, that may or may not be applicable to you. You may want to make changes to your HSA contributions. You may want to make changes to your W4 in Workday.

Spouse or Child Loses Employer Coverage

If your spouse or dependent children (under age 26) have a job change or lose eligibility for employer coverage, this is an event where you can make changes to your benefits. Please see important information below.

Deadline	You have 30 days from the date coverage ends to make changes to your benefits. However, we encourage you to start the process as soon as possible. For a change to be approved, all required documentation must be submitted before day 30. NOTE: Be Cautious of Employer Paid COBRA! Once your dependent enrolls in COBRA coverage through their previous employer’s plan, you must wait until Open Enrollment or until COBRA has been exhausted (generally 18 months) before you can enroll in Wilbur-Ellis’s plans. If the previous employer has agreed to pay or subsidize the cost of COBRA coverage for a period, when those payments end, this is NOT an approved status change to enroll in Wilbur-Ellis’s plan.
Required Documentation	To complete your status change. Please submit the below required documents within 30 days of your event. 1. Submitting a Qualifying Life Event Change Request 2. Proof of relationship for dependents being added (ex: marriage license, birth certificate) 3. To add Wilbur-Ellis coverage, proof of coverage ending from spouse or dependent child’s employer including: 4. All pages of the COBRA notice 5. OR a letter from the employer that includes all of the following: a. Employer Name b. Name of Insured c. Type of coverage that ended (Medical, Dental, Vision) d. Date coverage ended e. Reason for Coverage Ending (IE: Employment ended)
Date Coverage Begins or Ends	Benefit changes are always prospective, taking effect the first of the month following the receipt and approval of all required documentation. We encourage you to start the process as soon as possible to avoid gaps in coverage and double payroll deductions. We cannot add or drop coverage retroactively. Employees are responsible to pay the monthly premiums for every month they are enrolled in Wilbur-Ellis medical, dental, vision, or other coverage.
Allowable Health Insurance Changes	Can add coverage for yourself or dependents that lost corresponding employer coverage. Example: As a result of my spouse ending employment, I lost medical and vision coverage. through my spouse’s employer. I can add medical and vision coverage with Wilbur-Ellis. However, I cannot add dental coverage since I did not lose dental coverage. Can add coverage for yourself for the first time, if adding dependent that lost coverage.
Allowable Supplemental Life Changes	You can add or increase your employee, child, or spouse supplemental life coverage. However, you must submit an Evidence of Insurability Form and be approved by Unum for the coverage. You can drop or decrease employee, spouse, or child supplemental life coverage. Note, you can decrease or drop voluntary life coverages at any time.
Allowable Voluntary Benefits Changes (Critical Illness, Accident, Hospital)	You can drop or decrease coverage. Note, you can drop or decrease voluntary benefits at any time. You can add coverage for yourself or dependents if you have a loss of like coverage from your dependent’s employer.
Allowable Flexible Spending Account Changes	Can add or increase HCFSA. Can change DCFSA elections if daycare needs change as a result of the job change.
Other Important Information	Please see the below tips, that may or may not be applicable to you. You may want to make changes to your HSA contributions. You may want to make changes to your W4 in Workday.

Turning Age 26

The Wilbur-Ellis’ medical, dental, vision, and child life insurance plans allow coverage for dependent children through the last day of the month in which they turn 26. Coverage will be terminated automatically and a COBRA notice, allowing that dependent to elect continued benefits for a period, will be sent to the address we have on file. This notice will come from the Wilbur-Ellis’ 3rd party COBRA administrator, currently WEX.

If you are an employee turning 26, and wish to add coverage with Wilbur-Ellis, please see important information below.

Deadline	You have 30 days from the date you lose coverage due to turning 26 to make changes to your benefits. However, we encourage you to start the process as soon as possible. For a change to be approved, all required documentation must be submitted before day 30.
Required Documentation	To complete your status change. Please submit the below required documents within 30 days of your event. 1. Submitting a Qualifying Life Event Change Request 2. To add Wilbur-Ellis coverage, proof of loss of coverage from parent’s employer that includes all of the following: a. All pages of the COBRA notice OR a letter from the employer that includes all of the following: a. Employer Name b. Name of Insured c. Type of coverage that ended (Medical, Dental, Vision) d. Date coverage ended e. Reason coverage ended (Ex: Turned 26)
Date Coverage Begins or Ends	Benefit changes are always prospective, taking effect the first of the month following the receipt and approval of all required documentation. We encourage you to start the process as soon as possible to avoid gaps in coverage and double payroll deductions. We cannot add or drop coverage retroactively. Employees are responsible to pay the monthly premiums for every month they are enrolled in Wilbur-Ellis medical, dental, vision, or other coverage.
Allowable Health Insurance Changes	Can add coverage for yourself that corresponds with the employer coverage you lost. Example: As a result of turning 26 I lost medical and vision coverage through my parent’s employer. I can add medical and vision coverage with Wilbur-Ellis. However, I cannot add dental coverage since I did not lose dental coverage.
Allowable Supplemental Life Changes	You can add or increase your employee, child, or spouse supplemental life coverage. However, you must submit an Evidence of Insurability Form and be approved by Unum for the coverage. You can drop or decrease employee, spouse, or child supplemental life coverage. Note, you can decrease or drop voluntary life coverages at any time.
Allowable Voluntary Benefits Changes (Critical Illness, Accident, Hospital)	You can drop or decrease coverage. Note, you can drop or decrease voluntary benefits at any time. You can add coverage for yourself if you have a loss of like coverage from your parent’s employer.
Allowable Flexible Spending Account Changes	Can enroll in the HCFSA or increase elections.
Other Important Information	Please see the below tips, that may or may not be applicable to you. You may want to enroll in the HSA.

Spouse or Child's Open Enrollment

When your spouse or children have an employer’s Open Enrollment that is different than Wilbur-Ellis’s, these are approved qualifying life events to make corresponding changes to your benefits. Please see important information below.

Deadline	You have 30 days from when new coverage begins or ends to make changes to your benefits. However, we encourage you to start the process as soon as possible. For a change to be approved, all required documentation must be submitted before day 30.
Required Documentation	To complete your status change. Please submit the below required documents within 30 days of your event. 1. Submitting a Qualifying Life Event Change Request 2. Proof of relationship for dependents being added (ex: marriage license, birth certificate 3. Documentation from the Employer showing a corresponding change, as outlined below. Dropping Wilbur-Ellis Coverage – Must be newly enrolling for coverage with the employer. Employer’s open enrollment dates Names of insured Types of plans added (ie: Medical, Dental, Vision) Effective date of coverage beginning Adding Wilbur-Ellis Coverage – Must have had coverage with the employer and cancelled it during open enrollment. Employer’s open enrollment dates Names of insured Types of plans cancelled during open enrollment (Ie: Medical, Dental, Vision) Types of plans enrolled in prior to open enrollment (Ie: Medical, Dental, Vision) Effective date of coverage ending
Date Coverage Begins or Ends	Benefit changes are always prospective, taking effect the first of the month following the receipt and approval of all required documentation. We encourage you to start the process as soon as possible to avoid gaps in coverage and double payroll deductions. We cannot add or drop coverage retroactively. Employees are responsible to pay the monthly premiums for every month they are enrolled in Wilbur-Ellis medical, dental, vision, or other coverage.
Allowable Health Insurance Changes	An employee can add coverage with Wilbur-Ellis for themselves or dependents that they cancelled during the employer’s open enrollment. Can drop coverage with Wilbur-Ellis for yourself or dependents that gained corresponding new employer coverage. Example: During my spouse’s Open Enrollment, I enrolled in my medical and vision coverage. through my spouse’s employer. I can drop my medical and vision coverage with Wilbur-Ellis. However, I cannot drop my dental, since I did not enroll in my spouse’s dental coverage.
Allowable Supplemental Life Changes	You can add or increase your employee, child, or spouse supplemental life coverage. However, you must submit an Evidence of Insurability Form and be approved by Unum for the coverage. You can drop or decrease employee, spouse, or child supplemental life coverage. Note, you can decrease or drop voluntary life coverages at any time.
Allowable Voluntary Benefits Changes (Critical Illness, Accident, Hospital)	You can drop or decrease coverage. Note, you can drop or decrease voluntary benefits at any time. You can add coverage for yourself if you have a loss of like coverage. Can enroll in the HCFSA or increase elections if adding Wilbur-Ellis medical coverage for the first time.
Other Important Information	Please see the below tips, that may be applicable. You may want to make changes to your HSA contributions.

Enrolling in Marketplace Coverage

When you or your family members enroll in coverage during the Marketplace’s annual open enrollment, this is an approved qualifying life events to make corresponding changes to your medical benefits. Please see important information below.

Deadline	You have 30 days from when new coverage begins to make changes to your benefits. However, we encourage you to start the process as soon as possible. For a change to be approved, all required documentation must be submitted before day 30.
Required Documentation	To complete your status change. Please submit the below required documents within 30 days of your event. 1. Submitting a Qualifying Life Event Change Request
Date Coverage Begins or Ends	Benefit changes are always prospective, taking effect the first of the month following the receipt and approval of all required documentation. We encourage you to start the process as soon as possible to avoid double coverage and incorrect payroll deductions. We cannot add or drop coverage retroactively. Employees are responsible to pay the monthly premiums for every month they are enrolled in Wilbur-Ellis medical, dental, vision, or other coverage.
Allowable Health Insurance Changes	An employee can drop medical coverage for themselves or any enrolled dependents. Be Cautious: Once enrolled in the Marketplace, you will need to wait until Open Enrollment to re-enroll in coverage with Wilbur-Ellis. If you waive Wilbur-Ellis medical coverage, you will not receive Wilbur-Ellis’s contributions and it’s unlikely you will be eligible for Marketplace premium assistance or tax credits.
Allowable Supplemental Life Changes	You can add or increase your employee, child, or spouse supplemental life coverage. However, you must submit an Evidence of Insurability Form and be approved by Unum for the coverage. You can drop or decrease employee, spouse, or child supplemental life coverage. Note, you can decrease or drop voluntary life coverages at any time.
Allowable Voluntary Benefits Changes	You can drop or decrease coverage. Note, you can drop or decrease voluntary benefits at any time.
Allowable Flexible Spending Account Changes	N/A
Other Important Information	Please see the below tips, that may be applicable. You may want to make changes to your HSA contributions or be required to cancel all HSA contributions.

Medicare Entitlement

Becoming Medicare eligible and enrolling in Medicare Part B is an approved qualifying life event to make changes to your benefits. Please see important information below.

You are not required to enroll in Medicare. You can remain covered under the Wilbur-Ellis’ medical plan until you end your employment. This option may be less expensive.

Deadline	You have 60 days from the date your Medicare Part B starts to make changes to your benefits. However, we encourage you to start the process as soon as possible. For a change to be approved, all required documentation must be submitted before day 60.
Required Documentation	To complete your status change. Please submit the below required documents within 30 days of your event. 1. Submitting a Qualifying Life Event Change Request 2. Medicare Part B Card with date coverage begins 3. If also cancelling Wilbur-Ellis dental or vision coverage, proof the medicare plan covers dental and vision expenses
Date Coverage Begins or Ends	Benefit changes are always prospective, taking effect the first of the month following the receipt and approval of all required documentation. We encourage you to start the process as soon as possible to avoid double coverage and incorrect payroll deductions. We cannot add or drop coverage retroactively. Employees are responsible to pay the monthly premiums for every month they are enrolled in Wilbur-Ellis medical, dental, vision, or other coverage.
Allowable Health Insurance Changes	An employee can cancel medical coverage for themselves upon enrolling in Medicare. If you have a spouse or child enrolled, their coverage will also need to be cancelled. They will be offered COBRA coverage. An employee can cancel medical coverage for a spouse upon them enrolling in Medicare. Can also cancel dental and vision for yourself or spouse, with proof that your Medicare plan covers dental and vision expenses.
Allowable Supplemental Life Changes	You can add or increase your employee, child, or spouse supplemental life coverage. However, you must submit an Evidence of Insurability Form and be approved by Unum for the coverage. You can drop or decrease employee, spouse, or child supplemental life coverage. Note, you can decrease or drop voluntary life coverages at any time. NOTE: At age 70+ there is a 35% reduction in Life insurance coverage. At age 75, there is a 45% reduction.
Allowable Voluntary Benefits Changes (Critical Illness, Accident, Hospital)	You can drop or decrease coverage. Note, you can drop or decrease voluntary benefits at any time.
Allowable Flexible Spending Account Changes	N/A
Other Important Information	Please see the below tips, that may be applicable. If you are enrolled in Medicare, you are now ineligible for the HSA so will want to make sure you stop your HSA contributions.

Note: No additional changes can be made after the 60-day deadline. If you miss the 60-day window, you will not be able to change your Wilbur-Ellis coverage until Open Enrollment or if you experience another qualifying life event.

Change in Medicaid or CHP+ Eligibility

http://mywebenefits.com/wp-content/uploads/2024/11/New-Hire-Enrollment-Process.pdfGaining or Losing Medicaid or CHP+ eligibility are approved qualifying life events to make changes to your benefits. Please see important information below.

Deadline	You have 60 days from your gain or loss of Medicaid/CHP+ to make changes to your benefits. However, we encourage you to start the process as soon as possible. For a change to be approved, all required documentation must be submitted before day 60
Required Documentation	To complete your status change. Please submit the below required documents within 30 days of your event. 1. Submitting a Qualifying Life Event Change Request 2. Official Notice from Medicaid or CHP+ showing a loss or gain of eligibility and the date
Date Coverage Begins or Ends	Benefit changes are always prospective, taking effect the first of the month following the receipt and approval of all required documentation. We encourage you to start the process as soon as possible to avoid gaps in coverage and double payroll deductions. We cannot add or drop coverage retroactively. Employees are responsible to pay the monthly premiums for every month they are enrolled in Wilbur-Ellis medical, dental, vision, or other coverage.
Allowable Health Insurance Changes	An employee can cancel medical coverage for themselves or dependents upon becoming eligible for Medicaid/CHP+. An employee can enroll in medical coverage for themselves or dependents upon losing eligibility for Medicaid/CHP+.
Allowable Supplemental Life Changes	You can add or increase your employee, child, or spouse supplemental life coverage. However, you must submit an Evidence of Insurability Form and be approved by Unum for the coverage. You can drop or decrease employee, spouse, or child supplemental life coverage. Note, you can decrease or drop voluntary life coverages at any time.
Allowable Voluntary Benefits Changes (Critical Illness, Accident, Hospital)	You can drop or decrease coverage. Note, you can drop or decrease voluntary benefits at any time. You can add coverage for yourself or any dependents that have a loss of like coverage.
Allowable Flexible Spending Account Changes	You can enroll or increase your HCFSA upon losing eligibility for Medicaid/CHP+.
Other Important Information	Please see the below tips, that may be applicable. You may want to enroll in the HSA if you are enrolling in coverage. If you are canceling your medical coverage, you must stop your HSA contributions.

Moving to Part-time or Beginning an Unpaid Leave

Moving to part-time employment and beginning an unpaid leave of absence are approved qualifying life events to make changes to your medical benefits. Please see important information below.

Deadline	You have 30 days from the start of your unpaid leave or your change to part-time employment to make changes to your benefits. However, we encourage you to start the process as soon as possible. For a change to be approved, all required documentation must be submitted before day 30.
Required Documentation	To complete your status change. Please submit the below required documents within 30 days of your event. 1. Submitting a Qualifying Life Event Change Request
Date Coverage Begins or Ends	Benefit changes are always prospective, taking effect the first of the month following the receipt and approval of all required documentation. We encourage you to start the process as soon as possible to avoid gaps in coverage and double payroll deductions. Employees are responsible to pay the monthly premiums for every month they are enrolled in Wilbur-Ellis medical, dental, vision, or other coverage.
Allowable Health Insurance Changes	An employee can cancel medical coverage for themselves or dependents upon moving to part-time employment. An employee can drop medical, dental or vision coverage within 30 days of beginning an unpaid leave. An employee’s benefits will automatically terminate at the end of the month following 26 weeks of unpaid leave. Upon returning from leave, you must re- enroll within 30 days.
Allowable Supplemental Life Changes	You can add or increase your employee, child, or spouse supplemental life coverage. However, you must submit an Evidence of Insurability Form and be approved by Unum for the coverage. You can drop or decrease employee, spouse, or child supplemental life coverage. Note, you can decrease or drop voluntary life coverages at any time.
Allowable Voluntary Benefits Changes (Critical Illness, Accident, Hospital)	You can drop or decrease coverage. Note, you can drop or decrease voluntary benefits at any time.
Allowable Flexible Spending Account Changes	Can make changes to DCFSA if daycare needs change as a result of the job change. Cannot claim DCFSA reimbursement for times you are not working. Cannot make changes to the HCFSA.
Other Important Information	Please see the below tips, that may be applicable. You may want to make changes to your HSA contributions.

Changes in Daycare Expenses

Change in enrollment or costs of daycare are life events to make changes to your Dependent Care Flexible Spending Account elections. Please see important information below.

Deadline	You have 30 days from the date dependent care changes in cost or change your dependent care provider to make changes to your benefits. However, we encourage you to start the process as soon as possible. The Workday submission and required documentation must be submitted before day 30 to be approved.
Required Documentation	To complete your status change. Please submit the below requirement documents within 30 days of your event. 1. Update in Workday 2. Letter on official letterhead from daycare provider, indicating a change in enrollment or cost, and the effective date of the change.
Date Coverage Begins or Ends	Benefit changes are always prospective, taking effect the first of the month following the receipt and approval of all required documentation. We encourage you to start the process as soon as possible to avoid gaps in coverage and double payroll deductions. Employees are responsible to pay the monthly premiums for every month they are enrolled in Wilbur-Ellis medical, dental, vision, or other coverage.
Allowable Flexible Spending Account Changes	An employee can increase or decrease or stop Dependent Care Flexible Spending Account Elections.

Other Life Events

The above list is not all encompassing. There may be other events that allow a change in benefits. Some examples that may qualify include:
Significant change in the cost or benefits under a spouse or child’s employer plan. A court order, judgment, or decree requiring you to enroll dependents in coverage.
The exhaustion of COBRA coverage after 18, 29, or 36 months of continuation coverage. Losing an employer subsidy for COBRA premiums is not an allowable status change event.
Death of a spouse or child.
Spouse or dependent child’s employer plan is eliminated.

Please contact the employee benefits department at Askpnc@wilburellis.com for additional information on life events.