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Typically if an employee wants to make changes to a benefit plan, those changes can only be made during the annual Open Enrollment period. Exceptions are made for employees who experience a family or employment status change during the year. According to IRS regulations, if an employee experiences a qualifying status change, they may change their medical, dental, vision, flexible spending accounts, and/or life insurance benefits within 30 days of that qualifying change.

To submit a benefits change related to an allowed life event,  the employee must login to  their Workday  account at .  To begin the change, go to Change Benefits link located on the Benefits and Pay worklet.  Supporting documents must be uploaded at the time the change is submitted. Missing supporting documents will delay the processing of the change request. Questions should be directed to the Benefits & Wellness  office at people-culture@loyola.edu or 410-617-2354.

What are Life Events? 

Employees may update their benefit elections outside of Open Enrollment only when they experience a Qualifying Life Event (QLE). These changes are governed by IRS Section 125 and must meet the Consistency Rule.

IRS Qualifying Life Events Must be Submitted Within 30 Days

Life events	allowed changes consistent with QLE	required Documentation
Marriage	Add Spouse to Benefit Plans Currently Enrolled in	Marriage Certificate
Divorce	Remove Spouse	Divorce Decree
Birth or Adoption	Add Child to Benefit Plans Currently Enrolled in and Increase Dependent Care FSA	Birth Certificate or Adoption Records
Death of Spouse/LDA or Dependent	Remove Spouse/LDA or Dependent	Death Certificate
Loss of Other Coverage	Employee Enrolls and Add Spouse/LDA and Dependents	Proof of Coverage Loss: COBRA Notice or a letter on company letterhead stating the date coverage terminated, the types of coverage that have been lost (for example – medical, dental, and vision coverage), and the names of the affected dependents.
Gain of Other Coverage	Employee Cancels their Current Benefit Plan Elections	Proof of Other Coverage: A letter on company letterhead stating the date the new coverage became effective, the types of coverage that have been gained (for example – medical, dental, and vision coverage), and the names of the affected dependents.

The information on this site is provided for general reference and may be updated or changed at any time. The University reserves the right to modify, amend, suspend, or discontinue policies or programs without prior notice.

While every effort has been made to ensure accuracy, in the event of any discrepancy, the official policy documents will govern. Please rely on the written descriptions in the policy manual, as oral explanations are not binding. Employees should contact the Office of People and Culture or the appropriate administrator for the most current and authoritative guidance.