Benefit Changes

Benefit	Changes Allowed
Health Care Flexible Spending Account	None
Dependent Day Care Flexible Spending Account	Increase your contributions if your dependent day care costs increase Decrease your contributions if your dependent day care costs decrease

Benefit	Changes Allowed
Basic Life	None
Basic AD&D	None
Basic Long-Term Disability	None
Employee Optional Life (after-tax benefit)	Start or increase coverage. Requires evidence of insurability (EOI) Stop or decrease at any time
Spouse Optional Life (after-tax benefit)	Start or increase coverage. Requires evidence of insurability (EOI) Stop or decrease coverage at any time Note: The amount of coverage for spouse cannot exceed 50% of employee's combined basic life and optional life coverage amount
Child(ren) Optional Life (after-tax benefit)	Reduce coverage at any time Stop coverage at any time
Optional AD&D	None
Optional Long-Term Disability (after-tax benefit)	Start coverage at any time. Requires evidence of insurability (EOI) Stop coverage at any time