Benefit Changes

Benefit	Change Allowed
Medical and Dental Plans	Drop your ex-spouse and stepchild(ren) from coverage Start coverage for yourself Add your dependent child(ren) to your coverage

Benefit

Changes Allowed

Health Care Flexible Spending Account

Note: You are not allowed to stop or decrease contributions below the greater of the claims paid or the contributions already made

Dependent Day Care Flexible Spending Account

Note: Certain restrictions apply to availability of funds

Benefit	Changes Allowed
Basic Life	Change beneficiary at any time
Basic AD&D	Change beneficiary at any time
Basic Long-Term Disability	None
Employee Optional Life (after-tax benefit)	Start or increase your coverage. Requires evidence of insurability (EOI) Stop or decrease coverage at any time Change your beneficiary from your ex-spouse to a new designee
Spouse Optional Life (after-tax benefit)	You may drop spouse from coverage if you legally separate Note: You cannot start coverage
Child(ren) Optional Life (after-tax benefit)	Drop your stepchild(ren) (required) Start or increase coverage for your child(ren) Stop or decrease coverage for your child(ren)
Optional AD&D	Start or increase coverage Stop or decrease coverage Change coverage category Note: You cannot stop or decrease coverage for yourself
Optional Long-Term Disability (after-tax benefit)	Start or increase coverage. Requires evidence of insurability (EOI) Stop or decrease coverage