Getting Divorced

Last Updated December 21, 2021

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
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
Contact Information

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