Your domestic partnership ends

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 domestic partnership ends, 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 terminate your domestic partnership, 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 former domestic partner from BP coverage.

You may:

  • Change from You + spouse/domestic partner to You only; You + Family to You + Children; or You + child(ren)/family to You only coverage if your former domestic partner and his/her eligible dependent children were the only eligible dependents you were covering.
  • You may enroll yourself and/or any eligible dependents in a BP medical, dental and/or vision plan if you and/or your eligible dependents lose eligibility under your former domestic partner’s medical, dental and/or vision plans.
  • If your eligible dependent loses eligibility under your domestic partner’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.
Within 30 days of the life event

You or your former domestic partner have 60 days to notify the BP Benefits Center of the event to have health plan continuation materials mailed to your former partner 

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 must call the BP Benefits Center to remove your former domestic partner from coverage. If you do not call within 30 days of the event, contributions that have been deducted for your former domestic partner’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 former domestic partner on a timely basis. See the plan summaries for more information. 
 
Coverage ends for your former domestic partner and his/her eligible dependent children on the last day of the month in which you no longer satisfy BP’s domestic partner requirements 
 
COBRA continuation coverage is available for the eligible dependents of your former domestic partner. A similar type of continuation coverage is also available for your former domestic partner.

Health Care Flexible Spending Account You may:
  • Enroll if you change medical, dental or vision coverage.
  • Stop participating if your former domestic partner qualified as an eligible dependent for tax purposes. Your participation stops at the end of the month in which your domestic partner relationship ended.
  • Increase your election for the remainder of the plan year if the end of the domestic partnership causes loss of coverage under your domestic partner’s medical, dental or vision 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:
  • Stop participating if your domestic partner qualified as an eligible dependent for tax purposes. Your participation stops at the end of the month in which your domestic partner relationship ended.
  • Increase your election for the remainder of the plan year if the end of the domestic partnership causes an increase in 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. 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.
Any time Your beneficiary does not automatically change as a result of the end of your domestic partnership. 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.
  • Increase your coverage by one times your base pay.
  • Change your beneficiary designations for all or a portion of your GUL benefits.
  • Dis-enroll your former partner.
At any time, but if you enroll or increase your own coverage within 30 days of the life event, EOI may not be required 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 had elected GUL coverage for your former domestic partner, you should call MetLife to stop your payroll deductions for his/her coverage. Your former domestic partner can continue coverage by paying his/her premiums directly to MetLife.

Long-term Care (LTC) Dis-enroll your former partner. Any time
  • Long-term care coverage is portable. This means your former domestic partner can continue coverage on his/her own.
  • Payroll deductions for your domestic partner’s coverage will continue until you notify John Hancock to stop the deductions and offer direct billing to your domestic partner.
  • 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 Review your beneficiary to determine if you need to make any changes.
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.
  • You'll need your dependents' personal information including date of birth and Social Security number when enrolling.
  • To call the BP Benefits Center at 1-800-890-4100 to remove your former spouse from your coverage.
  • If your former domestic partner or dependent wants to continue benefits through the medical, dental and/or vision plans' continuation provisions, he/she must contact the BP Benefits Center within 60 days of the date he/she lost eligibility. The BP Benefits Center will then send continuation materials to the eligible participant. Coverage continuation must then be elected within 60 days of the date that the 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
  • The BP Benefits Center at 1-800-890-4100 to terminate your domestic partner relationship with BP.
  • 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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