You get divorced or your marriage is annulled

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 you and your spouse legally divorce or your marriage is annulled, you may make changes to your BP benefits so they align with the needs of your new situation. Changes you make must be on account of, and logically relate to, your life event. For example, when you divorce, you may enroll yourself for 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 your ex-spouse from BP coverage.

You may:

  • Enroll yourself and any eligible dependents if you are covered under your spouse’s employer’s medical, dental and vision plan and you are no longer eligible for coverage under those plans.
  • Change to You + child(ren) coverage if your eligible dependents lose coverage under your spouse’s employer’s plan.
  • Change from You + child(ren)/family coverage to You only coverage if your dependent children enroll in your former spouse’s plan.
  • If your eligible dependent loses eligibility under your spouse’s employer’s plan, you may switch medical or dental options.
Note: Special rules on switching between the HCFSA and the HSA mid-year may limit your available medical options if you change medical plans. See the Benefits Handbook for more details.
You or your ex-spouse has 60 days to notify the BP HR & Benefits Center of the event to have COBRA materials mailed to your former spouse

 

If you:
  • Make your benefit changes within 30 days of the life event, the change is effective back to the date of the actual event.
  • Miss the 30-day enrollment window, you may add eligible dependents at any time if you already have coverage for yourself and at least one other dependent at the time of the event. In this case, coverage for the newly added dependent takes effect on the enrollment date.

 

You and/or the dependent losing coverage must call the BP HR & Benefits Center to remove your former spouse from coverage. If you do not call within 30 days of the event, contributions that have been deducted for your ex-spouse’s coverage will not be refunded even though no benefits will be payable from the plans. There are also additional adverse consequences for failing to remove your ex-spouse on a timely basis. See the plan summaries for more information. 

If, as a result of your divorce or annulment, an individual you covered under the BP medical plan is no longer an eligible dependent:

  • His/her coverage ends on the last day of the month in which your divorce/annulment is final.
  • Your former eligible dependents may continue coverage under COBRA. The BP HR & Benefits Center will mail COBRA materials to your eligible dependents. To continue coverage under COBRA, you or your eligible dependents must call the BP HR & Benefits Center within 60 days of the loss of coverage or the date the COBRA materials were sent, whichever is later. Coverage can be continued for up to 36 months, subject to the Plan’s requirements.

Unless your former spouse and/or dependents timely elects COBRA coverage, the plan will not cover claims he/she incurs after the last day of the month in which the divorce/annulment is final. 
 
Even if a divorce order requires you to provide medical, dental and/or vision coverage for your ex-spouse, you cannot cover him/her under the BP plans as a spouse. (Only COBRA may be available.) To cover him/her under the BP plans could result in disciplinary action. 
 
Dependent children may still be covered, with or without a court order. However, coverage of dependent children who cannot be claimed as dependents for income tax purposes will result in imputed income to you, and coverage for them cannot be paid for on a pre-tax basis. You can avoid this result if you obtain a Qualified Medical Child Support Order (QMCSO).

Health Care Flexible Spending Account You may:
  • Enroll if you lose coverage under your former spouse’s employer’s plan.
  • Stop participating. Your participation stops at the end of the month in which your divorce or annulment is final.
  • Increase your election for the remainder of the plan year if your divorce/annulment causes loss of coverage under your former spouse’s plan.
Within 30 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.
  • Stop participating if your former spouse qualified as an eligible dependent. Your participation stops at the end of the month in which your divorce or annulment is final.
  • Increase your election for the remainder of the plan year if your divorce/annulment increases your dependent care expenses or causes loss of coverage under your former spouse’s plan.
Within 30 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. 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.
Within 30 days of the life event Your beneficiary does not automatically change as a result of your divorce or annulment. Even if your ex-spouse agrees in your divorce decree to waive any rights he or she has in your BP life insurance coverage, he or she will receive your death benefits if he or she is the designated beneficiary on file at the time of your death. You can update your beneficiary at any time by accessing the BP HR & Benefits Center online.
Group Universal Life (GUL) You may:
  • Increase your coverage by one times your base pay.
  • Purchase coverage for yourself.
  • Change your beneficiary designations for all or a portion of your GUL benefits.
  • Dis-enroll your former spouse.
Any time If you enroll:
  • Within 30 days of the life event, you may enroll yourself and any eligible dependents or increase your coverage by one times your base pay if you are already participating without providing evidence of insurability (EOI).
  • More than 30 days after the life event, you will have to provide evidence of insurability (EOI). MetLife will inform you if any EOI is required.

Regardless of when you enroll, if the coverage you elect is greater than the guarantee issue amount you must provide evidence of insurability (EOI). 
 
If you have spousal coverage, contact MetLife to stop your payroll deductions for his/her coverage. You will be required to provide MetLife with a copy of the divorce decree. 
 
Your former spouse can continue coverage after your divorce/annulment is final by paying his/her premiums directly to MetLife. A MetLife representative will walk him/her through the process.

Long-term Care (LTC) Dis-enroll your former spouse. Any time Long-term care coverage is portable. This means your spouse can continue coverage on his/her own.

Payroll deductions for your ex-spouse’s coverage will continue until you notify John Hancock to stop the deductions and offer direct billing to your former spouse.

  • BP savings plan
  • BP retirement plan
You may:
  • Change the beneficiary designations for all or a portion of your plan benefits.
  • You may increase or decrease your BP savings plan contributions.
Any time If a Qualified Domestic Relations Order (QDRO) takes effect for a former spouse, benefits will be paid to him/her according to the terms of the QDRO. If your former spouse was your designated beneficiary before the divorce and a QDRO is issued, the designation of your former spouse as your beneficiary will be invalid unless otherwise specified in the QDRO. You can find more information about a QDRO at https://qdro.fidelity.com.
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 from BP HR Services (accessible online only by employees logged into the BP network).
Remember
  • You must make allowable changes to your medical, dental, vision and spending account participation within 30 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 family 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.
  • In this case, your spouse may be able to continue EAP coverage through COBRA for up to 36 months following the date he/she became eligible for COBRA if you no longer reside in the same household.
  • You'll need your dependents' personal information including date of birth and Social Security number when enrolling.
  • To call the BP HR & Benefits Center at 1-800-890-4100 to remove your former spouse from your coverage.
  • If your dependent wants to continue benefits through COBRA, he/she must contact the BP HR & Benefits Center within 60 days of the date he/she lost eligibility. The BP HR & 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.
  • You may make changes to your BP savings plan at any time. Generally, you may add or change a beneficiary for the BP savings plan or BP retirement plan at any time.
Go to or call
  • John Hancock at 1-800-482-0022 to 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 BP savings plan or BP retirement plan (as applicable).
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