In general, you can elect or change your benefits only once a year during Open Enrollment.

However, if you experience a big life change like getting married or divorced, or having a baby or adopting, then these changes are considered IRS-qualified life events. If you experience a status change that affects your eligibility for benefits or an IRS-qualified life event during the year, you may enroll for coverage in new plans and make changes to existing coverage within 30 days of the event.

Examples of qualified life events, per IRS guidelines, include but are not limited to:

  • Marriage
  • Divorce
  • Birth, adoption of a child or becoming a court-appointed legal guardian
  • Death of a dependent
  • Loss of dependent eligibility for coverage
  • Loss of coverage due to a change in employment status

Go to Mercer Marketplace 365 or call 1.855.879.6739 to start the process.