Your eligible dependents' employment status changes

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.

It’s a fact of life that people change jobs, quit jobs and get hired for jobs every day. If this happens to your eligible dependent, you may be able to make changes to your BP benefits. However, any changes you make must be consistent with the life event you have experienced. For example, if your spouse loses his/her job you can enroll in BP medical coverage but you cannot drop coverage if you are already enrolled. 

Benefit Available Changes Deadline Other Things to Consider
  • Medical
  • Dental
  • Vision
If your eligible dependent becomes newly eligible for his/her employer-sponsored medical, dental and/or vision plan, you may:
  • Stop coverage if you and your eligible dependents enroll in your spouse’s/domestic partner’s employer’s medical, dental and/or vision plan. Your coverage ends at the end of the month in which your spouse/domestic partner becomes eligible for his/her employer’s plan.
  • Change your coverage level if your spouse/domestic partner and/or dependent child enroll in his/her employer-sponsored plan. For example, you can change from You + family to You + spouse/domestic partner coverage if your dependent child enrolled in his/her employer’s plan.

If you and/or your spouse/domestic partner become ineligible for his/her employer’s medical, dental and/or vision plan, you may:

  • Enroll yourself and your eligible dependents in a BP medical plan if you or your eligible dependents were covered under your spouse’s/domestic partner’s medical, dental and/or vision plan.
  • Change from You only coverage to You + spouse/domestic partner, You + child(ren) or You + family coverage.
  • Change from You + child(ren) to You + family coverage.
  • Change medical and/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 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.

Even if you stop BP coverage, you continue to have access to the Employee Assistance Program.
Health Care Flexible Spending Account You may:
  • Enroll if you or your eligible dependents change your coverage as a result of your spouse’s/ domestic partner’s change in eligibility for his/her plan.
  • Stop participating if you or your eligible dependents change your coverage as a result of your spouse’s/domestic partner’s change in eligibility for his/her plan. Your participation stops at the end of the month in which your spouse’s/domestic partner’s employment changes.
  • Increase your election for the remainder of the plan year.
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 if your spouse becomes a full-time student or becomes gainfully employed.
  • Stop participating if your spouse is no longer a full-time student or gainfully employed. Your participation stops at the end of the month in which your spouse’s employment changes.
  • Increase your election for the remainder of the plan year if the event 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.

Domestic partners are not treated as spouses under the DCSA, therefore the ability to stop participating in the plan is not allowed as a result of a change in your domestic partner's employment.


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) N/A N/A N/A
Long-term Disability (LTD) N/A N/A N/A
  • Basic Life
  • Accidental Death and Dismemberment (AD&D)
  • Occupational Accidental Death (OAD)
N/A N/A N/A
Group Universal Life (GUL) N/A N/A N/A
Long-term Care (LTC) N/A N/A N/A
  • BP savings plan
  • BP retirement plan
N/A N/A N/A
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
  • 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).
  • John Hancock at 1-800-482-0022 to make changes to your LTC participation.
  • The BP HR & Benefits Center at 1-800-890-4100 to enroll in or make changes to your other benefits.


 

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