Life Events

You may be able to newly elect or make changes to your benefits outside of the new hire and/or annual enrollment windows if you experience a qualifying life event, such as:

• Marriage or domestic partnership
• Divorce or termination of domestic partnership
• Birth or adoption of a child
• Death of a dependent
• Age out of a parent’s plan
• Loss of dependent eligibility
• Change in spouse’s or dependent’s employment status
• Change in residence or work location that impacts eligibility
• Significant change in cost of a spouse’s or domestic partner’s coverage
• Annual enrollment under a spouse’s or domestic partner’s employer with a different timing than Segal’s annual enrollment
• Commencement of or return from Family and Medical Leave Act (FMLA) leave
• Loss or gain of Medicaid or Children’s Health Insurance Program (CHIP) eligibility
• Medicare enrollment

Each life event allows specific benefit changes and requires supporting documentation. In accordance with IRS guidelines and Segal policy, you must complete a Qualifying Life Event Change Form and submit it, along with documentation demonstrating the status change, to HR – Benefits via secure email within 31 days of the actual qualifying event. If you do not notify HR – Benefits and provide the appropriate documentation within 31 days, you will not be able to modify your coverage until the next annual enrollment period.

Note: For supplemental life, dependent life, accidental death and dismemberment (AD&D), and supplemental LTD coverage, you must notify and provide supporting documentation to The Hartford.

The effective date of the approved benefit change will depend on the type of event:

• Births and deaths: The change will be effective on the date of the birth or death.
• All other life events: The change will be effective on the first day of the month following the event.
• Medicare events: If Medicare is effective on the first of the month, Segal benefit changes are effective that same date.

Don’t forget to update your beneficiaries! A qualifying life event is a good time to review and update your beneficiaries as needed.

You don’t need a qualifying life event to change your HSA contribution or your 401(k) profit sharing plan contribution rate, contribution type or investment election. You may make these changes anytime throughout the year.