If you're already participating in the life and accident insurance plans and do not change your elections or cancel coverage during Annual Benefits Enrollment, you'll generally keep the same coverage you had before Annual Benefits Enrollment for the next year. However, you'll be subject to any changes in the Plan and coverage costs.

Please Note: If you are participating at the maximum level of employee supplemental term life insurance and/or employee accidental death and dismemberment (AD&D) insurance and your Total Annual Cash Compensation and/or Eligible Compensation decreases, your employee supplemental term life insurance and/or AD&D insurance will also decrease.

If you're a newly hired or newly eligible employee and do not enroll before the end of the designated 31-day enrollment period, you will not be able to make the change in coverage until the following annual benefits enrollment period. Supplemental term life insurance elections will require you to provide evidence of insurability (EOI) at that time. Please see "Changing Your Coverage Midyear" for more information.

If you have a Qualified Status Change (QSC) that allows you to enroll in supplemental term life insurance and/or accidental death and dismemberment (AD&D) insurance midyear and you do not actively enroll within the designated 31-day period, you won't be able to choose supplemental term life insurance and/or AD&D insurance until the next annual benefits enrollment period.

Please see "Changing Your Coverage Midyear" for more information. Supplemental term life insurance elections will require you to provide evidence of insurability. Please see "Evidence of Insurability" for more information.