Note: To help you understand how life events may impact your benefits, examples have been included in this section. However, eligibility for plan benefits (be it retirement, medical or the other benefits listed here) is based on the terms of the particular plans, and a benefit being listed under the Life events tab does not mean that you are eligible for that particular benefit. For plan eligibility questions, please refer to the Benefits Handbook.

Death of a family member

The death of a family member is traumatic. Navigating the process of benefit changes is often the last thing on your mind in these situations. We suggest contacting the BP Benefits Center at 1-800-890-4100 to begin the process. When you call, a special counselor will walk you through and explain all of the options available to you. In the meantime, the chart below provides a high level overview of what happens to your benefits.

Benefit		Available Changes	Deadline	Other Things to Consider
Medical Dental Vision		You may: Change to the appropriate coverage level (You only, You + spouse, or You + child(ren)) Enroll yourself and/or any eligible dependents in a BP medical, dental and/or vision plan if you and/or your eligible dependents were covered under your deceased spouse’s medical, dental and/or vision plans. If your eligible dependent loses eligibility under your spouse’s employer’s plan, you may switch medical or dental options.	Within 45 days of the life event	If you do not change your coverage tier within 45 days of the death, you will continue making contributions for your spouse’s or dependent’s coverage even though no benefits will be payable from the plans. These contributions cannot be refunded. If you wish to enroll but do not do so within 45 days of the death, you and/or your dependents will not be able to enroll until the next annual enrollment period.
Health Care Spending Account		You may: Enroll if you lose coverage under your deceased spouse’s medical, dental, vision or HCSA plan. Stop participating. Your participation stops at the end of the month in which the death occurred. Increase your election for the remainder of the plan year if the death causes loss of coverage under your deceased spouse’s medical, dental, vision or HCSA plan.	Within 45 days of the life event	If you are already participating, you may not decrease your contributions mid-plan year.However, you may choose to stop participating if you meet the life event requirements. If you increase your election, only expenses incurred on or after the date of the coverage change are eligible for reimbursement from the newly elected amount.
Dependent Care Spending Account		You may: Enroll if you lost dependent coverage under your spouse’s employer’s DCSA plan. Stop participating if your spouse or child was an eligible dependent. Your participation stops at the end of the month in which the death occurred. Increase your election for the remainder of the plan year if the death causes loss of coverage under your spouse’s DCSA or increases your dependent care expenses.	Within 45 days of the life event	If you are already participating, you may not decrease your contributions mid-plan year.However, you may choose to stop participating if you meet the life event requirements. If you increase your election, only expenses incurred on or after the date of the coverage change are eligible for reimbursement from the newly elected amount.
Short-term Disability (STD)		No action is required.	N/A	N/A
Long-term Disability (LTD)		You may increase or decrease your optional LTD coverage.	Any time	If you increase the amount of your optional LTD coverage, you may be required to submit evidence of insurability (EOI) before the increased coverage is effective. You will be notified of any EOI that may be required.
Basic Life Accidental Death and Dismemberment (AD&D) Occupational Accidental Death (OAD)		No action is required. You may change your beneficiary designation for all or a portion of your life insurance plan benefits at any time. Please note that your beneficiary for OAD benefits is the same as for your basic life/AD&D insurance benefits. You may name a separate OAD beneficiary by completing the OAD designation form.	Any time	If your spouse was your beneficiary and you do not make a new designation, any benefits payable upon your death will be made to your estate. If your child was the family member who passed away, and was the beneficiary you designated, your spouse will automatically be the new beneficiary. You can update your beneficiary at any time by accessing the BP Benefits Center online.
Group Universal Life (GUL)		You can: Purchase coverage for yourself. Collect GUL benefits. Change your beneficiary designations for all or a portion of your GUL benefits.	For enrollment: At any time For disenrollment: Anytime, however you will pay premiums for your spouse until you notify the BP Benefits Center To request benefits: Within 90 days of your dependent's death or as soon as reasonably possible	If you had dependent GUL coverage at the time of his/her death, you should call the BP Benefits Center. A representative will outline the steps that need to be taken to request benefits.
Long-term Care (LTC)		Dis-enroll your dependent from coverage.	Anytime, however you will pay premiums for your dependent until you notify John Hancock	If your dependent had long-term care coverage at the time of his/her death, you will need to notify John Hancock to cancel coverage. In certain circumstances, your dependent’s estate may be eligible for a return of a portion of the premiums paid. A John Hancock representative will outline the requirements to request this benefit.
Employee Savings Plan Retirement Accumulation Plan		You may: Change the beneficiary designations for all or a portion of your plan benefits. Increase or decrease your Employee Savings Plan contributions.	Any time	If your spouse was your beneficiary and you do not make a new designation, any benefits payable upon your death will be made to your estate.
Next Steps
*Review*	Your beneficiary designations to determine if you need to make changes. Your benefit options and allowable changes to determine what changes, if any, you'll make to your BP benefits. Your W-4 income tax withholding to determine if you should make changes. If you need to make additional changes, complete a new form, available at BPpeople (BPpeople can only be accessed by employees logged into the BP network).
*Remember*	You must make allowable changes to your medical, dental, vision and spending account participation within 45 days of the life event, otherwise you'll have to wait until the next annual enrollment. You may make changes to income protection and survivor benefits, such as long-term disability, Group Universal Life and long-term care insurance at any time. However, you may be required to provide additional documentation before coverage is effective. See each plan summary for specific information on when you may be required to provide evidence of insurability (EOI). The Employee Assistance Program (EAP) is available 24 hours a day, seven days a week to help you and your family7 with any issues that may arise. For information, contact BP Care at 1-800-409-3687. You and your dependents who live with you are eligible for EAP services. You'll need your dependents' personal information including date of birth and Social Security number when enrolling. You may make changes to your Employee Savings Plan at any time. Generally, you may add or change a beneficiary for the Employee Savings Plan or Retirement Accumulation Plan at any time.
*Go to or call*	MetLife at mybenefits.metlife.com to enroll or make changes to your GUL participation. John Hancock at https://bp.jhancock.com (user ID: bp; password: my benefit) to enroll in or make changes to your LTC participation. BP Retirement Services at Fidelity at 1-877-272-3334 to make changes to your savings plan or to add or change a beneficiary for the savings plan or pension plan (as applicable). The BP Benefits Center Online at http://resources.hewitt.com/bpbenefits to enroll in or make changes to your other benefits.

Death of your domestic partner

Benefit		Available Changes	Deadline	Other Things to Consider
Medical Dental Vision		You may: Change from You + domestic partner coverage to You only coverage if your domestic partner was your only eligible dependent under a BP medical, dental and/or vision plan at the time of his/her death. Change from You + family coverage to You + child(ren) or You only coverage Enroll yourself and/or any eligible dependents in a BP medical, dental and/or vision plan if you and/or your eligible dependents were covered under your deceased domestic partner’s medical, dental and/or vision plans. If your eligible dependent loses eligibility under your domestic partner’s employer’s plan, you may switch medical or dental options.	Within 45 days of the life event	If you do not call within 45 days of the event, you will continue making contributions for your partner’s coverage even though no benefits will be payable from the plans. These contributions will not be refunded. If you wish to enroll yourself and/or your covered dependents but do not do so within 45 days of the death, you and/or your dependents will not be able to enroll until the next open enrollment period.
Health Care Spending Account		You may: Enroll if you lose coverage under your deceased domestic partner’s employer’s medical, dental or vision plan. Stop participating if your domestic partner qualified as an eligible dependent. Your participation stops at the end of the month in which the death occurred. Increase your election for the remainder of the plan year if the death causes loss of coverage under your deceased domestic partner’s medical, dental, vision or HCSA plan.	Within 45 days of the life event	If you are already participating, you may not decrease your contributions mid-plan year.However, you may choose to stop participating if you meet the life event requirements. If you increase your election, only expenses incurred on or after the date of the coverage change are eligible for reimbursement from the newly elected amount.
Dependent Care Spending Account		You may: Stop participating if your domestic partner qualified as an eligible dependent. Your participation stops at the end of the month in which the death occurred. Increase your election for the remainder of the plan year if the death causes loss of coverage under your spouse’s DCSA or increases your dependent care expenses.	Within 45 days of the life event	If you are already participating, you may not decrease your contributions mid-plan year.However, you may choose to stop participating if you meet the life event requirements. If you increase your election, only expenses incurred on or after the date of the coverage change are eligible for reimbursement from the newly elected amount.
Short-term Disability (STD)		No action is required.	N/A	N/A
Long-term Disability (LTD)		You may increase or decrease your optional LTD coverage.	Anytime	If you increase the amount of your optional LTD coverage, you may be required to submit evidence of insurability (EOI) before the increased coverage is effective. You will be notified of any EOI that may be required.
Basic Life Accidental Death and Dismemberment (AD&D) Occupational Accidental Death (OAD)		No action is required. You may change your beneficiary designation for all or a portion of your life insurance plan benefits at any time. Please note that your beneficiary for OAD benefits is the same as for your basic life/AD&D insurance benefits. You may name a separate OAD beneficiary by completing the OAD designation form.	Anytime	If your spouse/domestic partner was your beneficiary and you do not name a new designation, any benefits payable upon your death will be made to your estate. You can update your beneficiary at any time by accessing the BP Benefits Center online.
Group Universal Life (GUL)		You can: Purchase coverage for yourself. Collect spouse GUL benefits. Change your beneficiary designations for all or a portion of your GUL benefits.	For enrollment: At any time For disenrollment: Anytime, however you will pay premiums for your domestic partner until you notifiy the BP Benefits Center To request benefits: Within 90 days of your domestic partner's death or as soon as reasonably possible	You can change your beneficiary designations for all or a portion of your GUL benefits at any time. If your domestic partner had GUL coverage at the time of his/her death, you should call the BP Benefits Center. A representative will outline the steps that need to be taken to request benefits.
Long-term Care (LTC)		Dis-enroll your domestic partner from coverage.	Anytime, however you will pay premiums for your domestic partner until you notify John Hancock	If your domestic partner had long-term care coverage at the time of his/her death, you will need to notify John Hancock to cancel coverage. In certain circumstances, your domestic partner’s estate may be eligible for a return of a portion of the premiums paid. A John Hancock representative will outline the requirements to request this benefit.
Employee Savings Plan Retirement Accumulation Plan		You may: Change the beneficiary designations for all or a portion of your plan benefits. Increase or decrease your Employee Savings Plan contributions.	Anytime	If your domestic partner was your beneficiary and you do not make a new designation, any benefits payable upon your death will be made to your estate.
Next Steps
*Review*	Your beneficiary designations to determine if you need to make changes. Your benefit options and allowable changes to determine what changes, if any, you'll make to your BP benefits. Your W-4 income tax withholding to determine if you should make changes. If you need to make additional changes, complete a new form, available at BPpeople (BPpeople can only be accessed by employees logged into the BP network).
*Remember*	You must make allowable changes to your medical, dental, vision and spending account participation within 45 days of the life event, otherwise you'll have to wait until the next annual enrollment. You may make changes to income protection and survivor benefits, such as long-term disability, Group Universal Life and long-term care insurance at any time. However, you may be required to provide additional documentation before coverage is effective. See each plan summary for specific information on when you may be required to provide evidence of insurability (EOI). The Employee Assistance Program (EAP) is available 24 hours a day, seven days a week to help you and your family7 with any issues that may arise. For information, contact BP Care at 1-800-409-3687. You and your dependents who live with you are eligible for EAP services. You'll need your dependents' personal information including date of birth and Social Security number when enrolling. You may make changes to your Employee Savings Plan at any time. Generally, you may add or change a beneficiary for the Employee Savings Plan or Retirement Accumulation Plan at any time.
*Go to*	MetLife at mybenefits.metlife.com to enroll or make changes to your GUL participation. John Hancock at https://bp.jhancock.com (user ID: bp; password: my benefit) to enroll in or make changes to your LTC participation. BP Retirement Services at Fidelity at 1-877-272-3334 to make changes to your savings plan or to add or change a beneficiary for the savings plan or pension plan (as applicable). Call the BP Benefits Center at 1-800-890-4100 to enroll in or make changes to your other benefits.

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