Your life is always changing, and your benefits will change along with it.

After your first enrollment as a newly eligible employee, your benefits will be in effect until the following Open Enrollment period—unless you have a life event.

Changes in Household

You may qualify for a Special Enrollment Period if you or anyone in your household in the past 30 days:

1. Got married. Pick a plan by the last day of the month and your coverage can start the first day of the next month.
   
2. Had a baby, adopted a child, or placed a child for foster care. Your coverage can start the day of the event — even if you enroll in the plan up to 30 days afterward.
   
3. Got divorced or legally separated and lost health insurance. Note: Divorce or legal separation without losing coverage doesn’t qualify you for a Special Enrollment Period.
   
4. Died. You’ll be eligible for a Special Enrollment Period if someone covered on your plan dies.
   

Changes in Residence

1. You’re permanently moving to an area where your current coverage isn’t available
2. You’re permanently moving to an area where your current coverage is still available, but there are new plans that you can get because of the move

Loss of Health Insurance

1. Losing job-based coverage
2. Losing individual health coverage for a plan or policy you bought yourself
3. Losing eligibility for Medicaid or CHIP
4. Losing eligibility for Medicare
5. Losing coverage through a family member

More Qualifying Changes

1. Changes that make you no longer eligible for Medicaid or the Children’s Health Insurance Program (CHIP)
2. Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
3. Leaving incarceration
4. Starting or ending service as an AmeriCorps State and National, VISTA, or NCCC member

Here's what you need to know when you experience a life event

1. You have 31 days from the date of a life event to submit a change in your election. The day of the event is day one. If you don't change your election within 31 days, you won't be able to do so until the next Open Enrollment period, unless you experience a subsequent life event and submit your changes on time.
2. You may change your 401(k) Plan and 529 College Savings Plan elections at any time during the year, regardless of whether you experience a life event.
3. You may change your beneficiary designations for the 401(k) Plan, Life Insurance and/ or AD&D insurance at any time, although certain restrictions apply.
   
4. Go to Namely to submit a change in your benefits elections. Simply click on "Enroll in Benefits" in the left navigation bar on the Namely homepage.