You and your spouse legally separate

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 have completed the paperwork and are considered legally separated by applicable law, 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 qualifying status change. For example, when you separate, you may enroll yourself for medical coverage if you are losing coverage under your spouse’s employer’s plan. However, if your spouse is covered under BP medical, dental or vision coverage you may not drop your spouse from coverage. 

Benefit Available Changes Deadline Other Things to Consider
  • Medical
  • Dental
  • Vision
You may:
  • Enroll yourself and any eligible dependents in a BP medical, dental and/or vision plan 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.
  • If your eligible dependent loses eligibility under your spouse’s employer’s plan, you may switch medical or dental options.

You may not:

  • Drop your spouse or eligible dependents from your 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.
Health Care Flexible Spending Account You may:
  • Enroll if you lose coverage under your spouse’s employer’s plan.
  • Enroll in or increase your election for the remainder of the plan year if you enroll in a BP medical, dental or vision plan option.
Within 30 days of the life event  If you are already participating, you may not decrease your contributions mid-plan year. 

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 you lose an eligible dependent. Your participation stops at the end of the month in which you lose the eligible dependent.
  • Increase your election for the plan year if your legal separation increases your dependent care expenses.
Within 30 days of the life event  If you are already participating, you may not decrease your contributions mid-plan year. 

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. However, you may choose to stop participating if you meet the life event requirements.

 
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 Your beneficiary does not automatically change as a result of your legal separation.

If you die before designating a beneficiary, your spouse will be the beneficiary of these benefits. You can update your beneficiary at any time by accessing the BP 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 spouse.
Any time You may be required to provide evidence of insurability (EOI) depending on the circumstances related to your situation. You will be notified if EOI is required.

Regardless of when you enroll, if the coverage you elect is greater than the guaranteed issue amount you must provide evidence of insurability (EOI). 

If you die before designating a new beneficiary, your spouse will be the beneficiary of these benefits. 

If your spouse is covered, contact MetLife to stop your payroll deductions for his/her coverage. 
 
GUL is portable. Your spouse can port coverage by paying his/her premiums directly to MetLife. Contact MetLife and a representative will outline the process.

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

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

  • BP savings plan
  • BP retirement plan
You may:
  • Change the beneficiary designations for all or a portion of your plan benefits.
  • Increase or decrease your BP savings plan contributions.
Any time While you are still 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 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.
  • 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).
  • The BP Benefits Center at 1-800-890-4100 to enroll in or make changes to your other benefits.


 

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