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.

As an employee who is newly eligible for benefits, you may enroll yourself in the BP benefits that are available to employees in your employee classification.

Benefit		Available Changes	Deadline	Other Things to Consider
Medical Dental Vision		You may enroll yourself and/or your eligible dependents. Coverage is effective the date you became newly eligible.	Within 45 days of your eligibility date.	While coverage is effective on the date you become eligible, it may take a couple of pay periods for payroll deductions for benefits to begin. The first time benefit contributions are deducted, all contributions due from the beginning of your eligibility will be taken.
Health Care Spending Account Dependent Care Spending Account		You may enroll.	Within 45 days of your eligibility date.	If you enroll during the middle of a plan year, your contributions will not be prorated. Additionally, you may only be reimbursed for expenses incurred from the time of your enrollment in the account(s) through the end of the plan year in which you participate. If your initial eligibility date is near the end of a plan year, you may not wish to make a full year’s election.
Short-term Disability (STD)		You are automatically covered on your eligibility date/hire date/transfer date if you are actively at work.	N/A	N/A
Long-term Disability (LTD)		Basic LTD: You are automatically covered on your eligibility date/hire date/transfer date if you are actively at work. Optional LTD: You may elect optional coverage without providing evidence of insurability (EOI) if you enroll within 45 days of your eligibility date/hire date/transfer date.	Within 45 days of your eligibility date.	If you purchase optional coverage or increase the amount of your optional LTD coverage at a later date, you may be required to submit evidence of insurability (EOI) before 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)		You are automatically covered on your eligibility date. 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.	N/A	You can update your beneficiary at any time by accessing the BP Benefits Center online.
Group Universal Life (GUL)		You may: Purchase coverage for yourself. Purchase coverage for your spouse/domestic partner. Purchase $10,000 in coverage for each of your eligible dependent children, if you purchase coverage for yourself and/or your spouse/domestic partner. Make or change your beneficiary designations for all or a portion of your GUL benefits at any time by contacting MetLife.	At any time, but if you enroll within 45 days of your eligibility date, EOI may not be required for certain amounts	If you enroll more than 45 days after you are initially eligible or you are electing coverage in excess of certain amounts, you will have to provide evidence of insurability (EOI). MetLife will inform you if any EOI is required. In some states, GUL coverage cannot be offered to domestic partners due to state regulations. Call MetLife for more information.
Long-term Care (LTC)		You and your eligible family members may enroll at any time.	Anytime; however, no EOI is required if you enroll yourself within 45 days of your initial eligibility	You apply for this coverage through John Hancock. John Hancock may request a statement of health from your doctor. A statement of health is always required to enroll your eligible family members. 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: Enroll in the Employee Savings Plan. Roll over your eligible tax-deferred and after-tax accounts from your previous employer(s). Unless you are an occasional employee, you are automatically a participant in the Retirement Accumulation Plan on your eligibility date.	Any time	Don’t forget to name your Employee Savings Plan and Retirement Accumulation Plan beneficiaries. Contact Fidelity for information on how to change these designations. If you need help rolling over a qualified benefit from another employer, contact Fidelity.
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. 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.

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