As your life changes, so do your benefit needs. In general, the only time you can enroll in or change your benefits is Annual Enrollment. Mid-year changes are allowed only if you experience a qualifying life event and make a new election within 31 calendar days.
Your new election must be consistent with the life event. Coverage will be effective as of the date of the event. Be sure to initiate the life event immediately on Workday since you only have 31 calendar days from the date of the event to change, add or cancel coverage. You may need supporting documentation, but it is not needed when you first initiate the life event.
Here’s a high-level overview of benefit changes that may be allowed.
|Qualifying Life Event||Go to Workday Within 31 Days to Initiate Event |
Having a new baby or finalizing an adoption with the court
Acquiring legal guardianship of a child
Death of Dependent/Child
The death of your child, legal dependent, or stepchild
Death of Spouse
The death of your spouse or domestic partner
Your legal divorce date or legal separation date
Your marriage date
Gain of Dependent/Child Eligibility
Your child becoming newly eligible for benefits coverage through another employer or State
Loss of Dependent/Child Eligibility
Your child involuntarily losing other benefits coverage from another employer or State
Gain of Spouse Benefits/Eligibility
Your spouse or domestic partner becoming newly eligible for benefits coverage through another employer or State
Loss of Spouse Benefits/Eligibility
Your spouse or domestic partner involuntarily losing other benefits coverage from another employer or State
Start of Domestic Partnership
Meeting the requirements to qualify as a domestic partner
Loss of Domestic Partnership
No longer meeting the requirements to qualify as a domestic partner
Other life events
(Turning 26, loss or gain of state coverage, loss of coverage under a parent not due to aging off plan, etc.)
Call the Human Resources Centre (HRC) at 1-888-927-7700
Initiate a benefits change
Here's how you can make qualified benefit changes during the year:
- Go to
My Benefits & Retirement application
- Select your network status (on or off the BMO network)
Log your Life event tile
You may need to provide documentation to validate your qualifying life event.
Update your beneficiary
Designating beneficiaries to inherit the assets from your life insurance and retirement savings is a smart way to ensure your loved ones are financially protected.
You can update your beneficiary at any time.
Call the Human Resources Centre
Monday through Friday, from 8 a.m. to 5 p.m. CT