You get married

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.

Congratulations on your new (or impending) marriage! Marriage is considered a qualifying status change and as such, you may make changes to your BP benefits so they align with the needs of your new family. Changes you make must be on account of, and logically relate to, your marriage. For example, when you marry, you may enroll your spouse for medical coverage, but you may not drop BP medical coverage for yourself unless you are enrolling in coverage offered by your new spouse’s employer.

Benefit Available Changes Deadline Other Things to Consider
  • Medical
  • Dental
  • Vision
You may:
  • Enroll for coverage.
  • Add your new spouse and any eligible dependent children to your existing coverage.
  • Change from You + child(ren) coverage to You only coverage if your eligible dependent children are being enrolled in your new spouse’s employer’s coverage.
  • Change medical and/or dental options.
  • Cancel your coverage if you enroll in your new spouse’s employer’s coverage.
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.
Within 30 days of the life event 
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.
  • If you participate in a BP medical or dental option and you experience a life event that allows you to enroll a dependent, you may make changes to the medical and/or dental plan in which you participate.
  • If your spouse’s employer provides medical, dental or vision coverage, compare his or her coverage to the coverage offered through BP to determine which option makes the most sense for you and your new family.
  • If you enroll an eligible dependent child who is not your tax dependent for federal income tax purposes, federal tax law requires your contributions be taken on an after-tax basis and that you have income imputed based on the value of company-provided coverage.
Health Care Flexible Spending Account You may:
  • Enroll.
  • Stop participating if your group health coverage changes. Your participation stops at the end of the month in which your marriage occurred.
  • Increase your election for the remainder of the plan year if you have increased health care expenses.
Within 30 days of the life event  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 gain an eligible dependent and your new spouse is employed, disabled or a full-time student.
  • Stop participating if your new spouse is not employed, disabled or a full-time student. Your participation stops at the end of the month in which your marriage occurred.
  • Increase your election if:
    • You gain newly eligible dependents,
    • Your new spouse is employed, disabled or a full-time student, and
    • Your dependent care expenses increase as a result of your marriage.
Within 30 days of the life event  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.
Any time If you die before designating a beneficiary, your new spouse will be the beneficiary of these benefits. You can update your beneficiary at any time by accessing the BP HR & Benefits Center online.
Group Universal Life (GUL) You may:
  • Purchase coverage for yourself or your new spouse and dependent children.
  • Increase your coverage.
  • Decrease your coverage.
  • Change your beneficiary designations for all or a portion of your GUL benefits.
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 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).

Long-term Care (LTC) No action is required. The LTC Plan is closed to new enrollments. N/A N/A
  • BP savings plan
  • BP retirement plan
  • Your new spouse is automatically your beneficiary but you should make this designation change in any case, especially if you have been previously married. If you want to designate a beneficiary other than your new spouse, you may do so at any time.
  • You may increase or decrease your BP savings plan contributions.
Any time 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 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.
  • You'll need your dependents' personal information including date of birth and Social Security number when enrolling.
  • 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).
  • PricewaterhouseCoopers (PwC) online eAdvisor services at https://pwceadvisor.pwc.com* for financial education, planning and counseling tools that will help you learn how to manage your new family's budget.
  • PwC financial CounseLine (1-866-237-6165 within the U.S.; 
+1-214-270-3990 outside the U.S.).
* Your PwC username is your firstname.lastname + month of birth (2 digits) + last 2 digits of your Social Security number all lowercase (e.g., john.smith0135). Your initial password is your last name in all capital letters (e.g., SMITH).


 

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