Changing benefits due to life events

IRS Section 125 guidelines prohibit certain changes in benefits elections during the plan year with the exception of IRS-approved "life events." In most cases, the request to change coverage must be submitted no later than 31 days after the life event and documentation must be provided.

To request a life event change, please send an email to Be sure to include in the email:

  • Your name
  • The life event (adoption or birth of a child, etc.)
  • Date of life event
  • The name of spouse and/or dependent impacted by this change

Please read more about your specific life event.

Birth or adoption




Continuation of benefits after separation of employment (COBRA)

Coverage for children over age 19