Getting DIVORCED
When you get divorced or legally separated, you can make certain changes to your benefits without having to wait for the next Annual Enrollment.
February 16, 2026
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
- 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
- Enroll or change your contribution anytime during the year
- Update your beneficiary anytime during the year
- 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
- Elect to begin or stop contributing to a Dependent Day Care FSA
- Increase or decrease your contribution amount
- Enroll or drop coverage for yourself, your spouse and/or children
- Increase or decrease your coverage amount
- Update your beneficiary anytime during the year
- Update your beneficiary anytime during the year
- 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
- 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
- Enroll in coverage for your new (step) children and your existing children
- Drop coverage
- Update your beneficiary anytime during the year
- 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
Changes You Can Make
- 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)
Changes You Can Make
- 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
Changes You Can Make
- Enroll or change your contribution anytime during the year
- Update your beneficiary anytime during the year
Changes You Can Make
- 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
Changes You Can Make
- Elect to begin or stop contributing to a Dependent Day Care FSA
- Increase or decrease your contribution amount
Changes You Can Make
- Enroll or drop coverage for yourself, your spouse and/or children
- Increase or decrease your coverage amount
- Update your beneficiary anytime during the year
Changes You Can Make
- Update your beneficiary anytime during the year
Changes You Can Make
- 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
Changes You Can Make
- 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
Changes You Can Make
- Enroll in coverage for your new (step) children and your existing children
- Drop coverage
- Update your beneficiary anytime during the year
Changes You Can Make
- 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
Related Information
Contact Information
RRD Benefits Center
1-877-RRD-4BEN
(1-877-773-4236)
Getting Divorced
February 16, 2026
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 |
|
| Health Savings Account (HSA) |
|
| 401(k) Savings Plan |
|
| Health Care FSA |
|
| Dependent Day Care FSA |
|
| Supplemental Health Care |
|
| Basic Employee Life Insurance |
|
| Optional Employee Life Insurance |
|
| Optional Spouse/Domestic Partner Life Insurance |
|
| Optional Child Life Insurance |
|
| Optional AD&D Insurance |
|
Contact Information
RRD Benefits Center
1-877-RRD-4BEN
(1-877-773-4236)