The coverage you elect as an eligible expatriate employee takes effect on the date of your transfer to expatriate status.

The coverage you elect during Annual Benefits Enrollment takes effect at the beginning of the following plan year (January 1).

The coverage you elect as a result of a qualifying event (such as marriage, divorce, or the birth or adoption of a child or a work-related event such as an adjustment to your regularly scheduled work hours that results in a change in eligibility) will take effect as of the day of the qualifying event, if you enroll within 31 days of the event and if you have already met the Plans' eligibility requirements. If you miss the 31-day deadline, coverage for certain benefits will be effective as of the date you contact HR Answers. You may be required to pay for your coverage on an after-tax basis for the period prior to the date you first contact HR Answers. Otherwise, you will not be able to make the change in coverage until the following Annual Benefits Enrollment.

Please see "Changing Your Coverage Midyear" for more information.