Family Status Change

Tools and Resources


Benefit changes are normally allowed only during annual enrollment due to IRS regulations. However, if you experience a qualifying Family Status Change, you can make benefit changes mid-year as long as you make the change within 31 days of the event.

Some common Family Status Changes include:

  • Marriage

  • Divorce, legal separation or annulment

  • Birth of a child

  • Placement of a foster child or a child for adoption with you, or assumption of legal guardianship of a child

  • Change in your spouse's or dependent's employment status that affects benefit eligibility, including termination or commencement of employment, or change in worksite

  • You or your spouse returns from unpaid leave of absence

  • You or your dependent becomes eligible or loses eligibility for Medicare or Medicaid

  • Death of your spouse or dependent

  • Court ordered coverage of your child by you or your spouse, allowing you to add or drop the child's coverage

  • Change in your, your spouse's or dependent's place of residence that affects eligibility

  • Change in your employment that affects benefits eligibility (working at least 20 hours per week)

  • Loss of eligibility for a dependent

  • Change in dependent care provider or cost for Dependent Care Flexible Spending Account


The list above does not include every possible qualifying Family Status Change event.