Death of a Dependent

Last Updated May 20, 2024

If your dependent dies, you can make certain changes to your benefits without having to wait for the next Annual Enrollment.

Overview

You have 30 days to make changes to certain benefits following the death of a dependent (for example, your spouse, domestic partner or child). Otherwise, you will have to wait until the next Annual Enrollment period. You are responsible for making the changes on the enrollment website. Your new coverage will be effective from the date of your dependent’s death.

What You Need to Do

Benefit Changes You Can Make
Medical, Dental and Vision
  • Elect coverage for yourself
  • Switch your enrollment to a different option
  • Drop coverage for your spouse/domestic partner
  • Add dependent child coverage
Health Savings Account (HSA)
  • Elect to contribute to an HSA (if you meet eligibility requirements) anytime during the year
  • Elect to stop contributing to your HSA or change your contribution amount anytime during the year
  • Update your beneficiary anytime during the year
401(k) Savings Plan
Health Care FSA
  • Elect to begin or stop contributing to a Health Care FSA or limited-use Health Care FSA (based on eligibility)
  • Increase or decrease your contribution amount
Dependent Day Care FSA
  • Elect to begin or stop contributing to a Dependent Day Care FSA
  • Increase or decrease your contribution amount
Supplemental Health Care
  • Enroll or drop coverage for yourself, your spouse and/or children
  • Increase or decrease your coverage amount
  • Update your beneficiary anytime during the year
Basic Employee Life Insurance
Optional Employee Life Insurance
  • Enroll in coverage (subject to evidence of insurability, or EOI)
  • Increase your coverage amount (subject to EOI rules)
  • Decrease your coverage amount
  • Drop coverage
  • Update your beneficiary anytime during the year
Optional Spouse/Domestic Partner Life Insurance
  • Enroll in coverage (subject to evidence of insurability, or EOI)
  • Increase or decrease coverage amount (subject to EOI rules)
  • Drop coverage
  • Update your beneficiary anytime during the year
Optional Child Life Insurance
  • Enroll in coverage for your new (step) children and your existing children
  • Drop coverage
  • Update your beneficiary anytime during the year
Optional AD&D Insurance
  • Enroll in or drop coverage for yourself, your spouse and/or children
  • Increase or decrease your coverage amount
  • Update your beneficiary anytime during the year

Find Support

RRD’s Employee Assistance Program (EAP) is available 24/7 to help you deal with many of life’s challenges, including grief and loss.

Contact Information

RRD Benefits Center
1-877-RRD-4BEN
(1-877-773-4236)