Getting Divorced

Last Updated August 28, 2024

When you get divorced or legally separated, you can make certain changes to your benefits without having to wait for the next Annual Enrollment.

Overview

You have 30 days following your divorce/legal separation to make changes to certain benefits or 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 divorce/legal separation.

What You Need to Do

Benefit	Changes You Can Make
Medical, Dental and Vision	Elect coverage for yourself Remove your former spouse from coverage (required) Switch your enrollment to a different option 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	Enroll or change your contribution anytime during the year Update your beneficiary anytime during the year
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	Update your beneficiary anytime during the year
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

Contact Information

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