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.

If your dependent child is no longer eligible, you may make changes to your BP benefits so they align with the needs of your family. Changes you make must be on account of, and logically relate to, your life event. For example, you may drop your child from medical coverage, but you may not drop medical coverage for yourself.

Benefit	Available Changes	Deadline	Other Things to Consider
Medical Dental Vision	You must dis-enroll the child. You may: Change from You + child(ren)/family to You only coverage if the child was the only dependent you were covering. Coverage for the child ends on the last day of the month in which he/she no longer qualifies as an eligible dependent child. Continue coverage for your child through COBRA. The BP Benefits Center will mail COBRA enrollment materials to you. Coverage can be continued for up to 36 months. You may not switch medical or dental options.	To change your coverage level: Within 45 days of the life event For the child to elect continuation of coverage under COBRA: you or your child must call the BP Benefits Center and elect COBRA within 60 days of the date COBRA materials are mailed	You must call the BP Benefits Center to remove your dependent from coverage. If you do not call within 45 days of the event, you will continue making contributions for your child’s coverage through the end of the plan year even though no benefits will be payable from the plans. These contributions cannot be refunded. There are also additional adverse consequences for failing to remove your ineligible dependent on a timely basis. See the plan summaries for more information. If your dependent wants to continue benefits through COBRA, he/she or you must contact the BP Benefits Center within 60 days of the date he/she lost eligibility. The BP Benefits Center will then send COBRA materials to the eligible participant. COBRA must then be elected within 60 days of the date that the COBRA materials are sent or coverage is lost, whichever is later.
Health Care Spending Account	You may stop participating.	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.
Dependent Care Spending Account	You may stop participating.	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. Note: Participation stops at the end of the month in which your child no longer qualifies as an eligible dependent. For more information on who qualifies as an eligible dependent, see the plan summary.
Short-term Disability (STD) Long-term Disability (LTD)	No changes are allowed.	N/A	N/A
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	Your beneficiary does not automatically change as a result of your life event. You can update your beneficiary at any time by accessing the BP Benefits Center online.
Group Universal Life (GUL)	If your child has GUL coverage and no longer qualifies as an eligible dependent for GUL purposes, he/she may convert GUL coverage to an individual policy with MetLife.	Within 31 days of the life event	Call MetLife to have a representative explain the process to convert to an individual policy.
Long-term Care (LTC)	Enroll yourself or your eligible family members.	Any time	You apply for this coverage through John Hancock. John Hancock may request a statement of health from the applicant’s doctor. If you enroll: Within 45 days of the life event, you may enroll yourself without providing evidence of insurability (EOI). More than 45 days after the life event, you will have to provide evidence of insurability (EOI). John Hancock will inform you if any EOI is required. EOI is always required when enrolling dependents.
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 you are married, your spouse must provide written and notarized consent if you name a beneficiary other than your spouse as your sole, primary beneficiary.
Next Steps
*Review*	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. If your child is away at school and no longer living with you, he/she can continue to participate in EAP through COBRA coverage for up to 36 months following the date he/she moved out of your household. To call the BP Benefits Center at 1-800-890-4100 to remove your dependent from coverage. If your dependent wants to continue benefits through COBRA, he/she must contact the BP Benefits Center within 60 days of the date he/she lost eligibility. The BP Benefits Center will then sent COBRA materials to the eligible participant. COBRA must then be elected within 60 days of the date that the COBRA materials are sent. 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). Call the BP Benefits Center at 1-800-890-4100 to enroll in or make changes to your other benefits.

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