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How Life Events Affect Your Benefits

How Life Events Affect Your Benefits

Eligible dependents may only be added to your coverage or removed from your coverage during the annual Open Enrollment period unless you experience a Life Event. You may also add or remove coverage for yourself as the result of certain life events.

What is a Life Event?

Life events which may affect your benefits are:

  • marriage or domestic partnership
  • birth or adoption
  • divorce
  • death of a dependent
  • employee gains coverage elsewhere
  • employee loses coverage elsewhere
  • dependent gains coverage elsewhere
  • dependent loses coverage elsewhere

When you have a life event, you have 30 days from the date of the event to make any changes to your benefits. If you don’t declare the life event within 30 days, you will not have the opportunity to make any changes to your benefits, such as adding a new spouse or newborn child, until the next Open Enrollment.

For example, if you get married on January 1, you have until January 30 to add your spouse to your benefits or to waive your benefits if you become covered by your new spouse.

 

Please note that if you upload documents in Benefitexpress to prove a Life Event, but don’t go through each benefit to add coverage or remove coverage for a dependent or yourself, no changes will be made to your benefits. If you are adding coverage for a new dependent, for each benefit, click on the name of the dependent to add them to your coverage.

 

You must complete the entire enrollment process and see those changes reflected on your Confirmation Statement, which you can print or email to yourself. You can view your Confirmation Statements at any time on the Benefitexpress homepage.

 

How to Declare a Life Event

To declare a Life Event on Benefitexpress, go to the employee portal, Fordham.edu\my-pages\employee and click on the Benefitexpress button, under My Fordham Benefits.

On Benefitexpress:

  • click on “Life Events” on the left side of the homepage and find the Life Event which applies to you
  • review your dependents and either add or remove dependents, as applicable
  • upload proof of the Life Event, such as birth, marriage, divorce or death certificate, domestic partnership documentation, dependent’s COBRA letter, or new insurance information
  • certain life events may require more than one document
  • Benefitexpress will review all documents and will advise you by email if your documents have been approved or if you need to submit additional documentation
  • documents can also be submitted to FordhamVerify@mybenefitexpress.com
  • review each of your benefits and make the applicable changes, such as adding or removing coverage for yourself and/or a dependent
  • click “Save and Continue” at the bottom of each page to complete your enrollment, until you get to the Confirmation Statement, and you have completed the enrollment process

Under “Life Events” on Benefitexpress, if you are enrolled in the Health Investment Option, you may change your HSA contributions at any time.

Remember to review your beneficiaries on Benefitexpress when you have a Life Event. You can change your beneficiaries at any time.

 

Please contact Human Resources at benefits@fordham.edu if you have any questions.