Based on IRS rules, you can generally make changes to your benefits during the year only if you have a qualifying change in your family or employment status. This includes events such as:
- Marriage or divorce
- Gaining or losing a domestic partner
- Birth or adoption of a child
- Death of your spouse or dependent
- Your spouse ending or starting employment when that affects coverage eligibility
- You or your spouse changing from full-time to part-time employment status or vice versa, when the change affects coverage eligibility
- Change in health coverage by your spouse's employer
- Loss of eligibility for your dependent because of exceeding the age eligibility requirements
- Loss or gain of eligibility (for you or your eligible dependents) for another group health plan
- Loss or gain of eligibility or a state/federal insurance program such as Medicaid or the Children's Health Insurance Program (CHIP)
View more details on associate initiated qualified life events.
Please note: Benefit changes must be consistent with the eligible life event. If you are already enrolled in a health plan, you will not be able to change plans during the year through a QLE.
How to make a change:
- You will need to make changes to your benefits on the Benefits Application in Workday.
- You must make your benefit changes within 31 days of the event (60 days after birth, adoption of a child or loss or gain of eligibility of a state/federal insurance program such as Medicaid or the Children's Health Insurance Program (CHIP)). If you don't, you must wait until the next Benefits Open Enrollment period to make updates.
- The 31 days (60 days after birth, adoption of a child or loss or gain of eligibility of a state/federal insurance program such as Medicaid or the Children's Health Insurance Program (CHIP)) start on the effective date of the life event (i.e. the birth/adoption date of your dependent, the day non-Capital One coverage started/ended).