BWXT Y•12 - About Your Benefits - Changes at Other Times

Qualifying Life Events
An individual may make a mid-year election change when it is because of and consistent with a qualifying life event or when certain significant changes in cost or in coverage occur.

A qualifying life event includes:

legal separation, annulment, or divorce
the death of your spouse or child
the birth or adoption (or placement for adoption) of your child
the loss or gain of benefit eligibility of your child
the termination or commencement of employment of you or your spouse or child
for active employees: a reduction or increase in hours of employment of you or your spouse or child, including a switch between part-time and full-time, a strike or lockout, or commencement of or return from unpaid leave of absence
a change in health coverage due to your spouse’s employment
a “special enrollment period” under the group health plan as required by law
a qualified medical child support order that requires your child to be covered under the group medical and/or dental plan
you or your spouse or child becomes eligible (or loses eligibility) for Medicare or Medicaid

involuntary loss of other group health plan coverage.

REMINDER: Enrollment forms must be completed AND submitted to the Benefit Plans Office within 30 calendar days of any qualifying life event. THIS INCLUDES THE BIRTH OF A NEWBORN. Otherwise, you will have to wait until Open Enrollment to enroll and the coverage will not be effective until the next January 1.

Here are a few examples of election changes that are consistent with a qualifying life event and plan eligibility rules:

With This Event	You Can Make These Changes
You have a qualifying life event, such as: divorce or legal separation birth or adoption death change in your spouse’s employment status	Medical Plan Major Medical Medicare Supplement Plan Dental Plan	If you were previously enrolled for coverage, you can add dependents (consistent with the family status change and subject to eligibility limits of each plan) or drop coverage or dependents Note: You cannot add a spouse or child to your medical or dental coverage due to re-marriage after retirement.
You experience a loss of other employer-provided medical or dental coverage	Medical Plan Major Medical Medicare Supplement Plan Dental Plan	Add coverage by providing proof of the coverage loss within 30 days of the loss
You move outside a point-of-service network	Medical Plan	Change coverage to the CIGNA Indemnity Plan
Benefit changes must be requested within 30 days of the qualifying life event by completing a change form and returning it to the Benefit Plans Office. However, there is one exception: you have up to one year to enroll a newborn for MetLife dental coverage and three years to enroll a newborn for Delta Dental coverage. All changes are effective on the date of the event.