Quick Answer

In most cases, no. Due to IRS regulations, once you have made your benefit elections for the plan year, you generally cannot cancel, enroll in, or change your insurance coverage until the next annual Open Enrollment period, unless you experience a qualifying life event.

Why Changes Are Limited

Health, dental, and vision benefit elections are governed by IRS rules. Once elections are made for the plan year, they are considered locked in to ensure compliance with tax regulations.

When Can I Cancel or Change Coverage?

You may cancel or change your insurance coverage only if:

• You experience a qualifying life event, and

• The change you request is consistent with the life event.

Examples of Qualifying Life Events

Qualifying life events may include, but are not limited to:

• Marriage, divorce, or legal separation

• Birth or adoption of an eligible child

• Death of a spouse or covered child

• Change in your spouse’s employment status that affects benefits eligibility

• Change in a dependent’s eligibility for benefits

• Qualified Medical Child Support Order (QMCSO)

Changes must be submitted within the required timeframe and may require documentation.

Important Reminders

• Changes requested without a qualifying life event cannot be processed.

• Missing the life event deadline may require waiting until the next Open Enrollment period.

• All benefit changes must be completed in Dayforce.