The coverage you elect during Annual Benefits Enrollment generally takes effect the beginning of the following plan year (January 1) as long as you are actively-at-work on your first scheduled day on or after this effective date. There is no EOI required for AD&D insurance.

If you are newly eligible for coverage and complete the enrollment process within 31 days of becoming eligible for insurance, your coverage will begin on the date you become eligible if you are actively at work on that date. Payroll deductions will begin as soon as administratively possible. If you are not actively at work, coverage and payroll deductions begin when you return to active work. There is no EOI required for AD&D insurance.

If you have a change in work status, or experience a Qualified Status Change (QSC), and you elect to change your AD&D elections based on that status change, your coverage will begin on the date of the status change. Payroll deductions begin as soon as administratively possible. There is no EOI required.