QUALIFYING LIFE EVENTS
Many of us experience big life events that happen outside of the Annual Enrollment period. Sometimes a change is expected, like a marriage, and sometimes it can happen unexpectedly, like a death in the family. Experiencing a qualifying life event allows you to adjust the coverage for some benefits elections so that you and your family can remain appropriately covered.
After experiencing a qualifying life event, you have 31 days to make changes to your eligible benefits elections. If you miss this window, you might have to wait until the next annual enrollment window to adjust your benefits. Visit NetBenefits to get started.
How do I know if a life event qualifies for benefits election adjustments?
Eligibility to make changes outside of the annual enrollment window depends on the life event you are experiencing. If you have experienced a big change in your life but are uncertain about its impact on your benefits, then we recommend calling 877.389.2374 to speak with a Fidelity representative about your options. Because every situation is different, you may be asked to present documentation to show that the life event impacts your benefits coverage.
| Qualifying Life Event1 | Potentially impacted benefits |
|---|---|
| Marriage or a domestic partnership |
|
| Divorce or end to a domestic partnership |
|
| Birth or adoption |
|
| Death in the family |
|
| Gain or loss of health care coverage elsewhere |
|
| Turning age 26 and losing health care coverage (you or a dependent) |
Note: You do not need to report a life event when your dependent child ages out of Aptiv's health coverage; Fidelity will notify you of your enrollment event via email. |
Adding New Dependents?
If you add new dependents to your health care coverage (medical, dental and/or vision), their Aptiv coverage will be pended until you complete the Dependent Verification process via Consova. After you complete your enrollment on NetBenefits, you will be automatically prompted to complete the Dependent Verification process to provide/upload the required documentation to Consova via single sign-on. If you do not have the documentation when you finish your enrollment, you can login to NetBenefits at a later date to provide the documentation. You have 30 days (plus a 10-day grace period) to provide the required documentation to Consova.
Refer to the Dependent Eligibility Guide on NetBenefits under Health & Insurance > See Plan Documents for a list of required documents. Consova will also advise what dependent documentation you need to provide.
Please note: Failure to provide the requested dependent documentation will result in your dependent(s) not having Aptiv health care coverage (medical, dental and/or vision).
Electing or Increasing Life Insurance Coverage?
If you newly elect or increase your Optional Life or Dependent Life Insurance coverage for your spouse/domestic partner that requires Evidence of Insurability (EOI), you will be prompted to complete an EOI questionnaire online for MetLife’s review. Log on to NetBenefits to review your current approved life insurance coverages.
Please note: Failure to provide sufficient EOI will result in the coverage being denied by MetLife.
1 This is a summary of the impact certain personal/family changes might have on your eligibility for certain benefit plans and programs and assumes you meet all other applicable eligibility requirements at the time of the event. For a more complete list and the applicable terms, conditions and other provisions that could apply (e.g., continuation coverage), see the summary plan description for your plan. In the event of a conflict, the terms of the applicable plan documents and/or insurance policies/contracts control.