Some changes can be processed anytime throughout the year and typically changes take effect the first of the following month. Benefits that can be changed mid-year without a Qualified Status Change (QSC) are: Supplemental Life, HSA contribution, Accidental Death and Dismemberment (AD&D), Spouse and Child Life, Spouse and Child AD&D. The table below shows the QSCs that are applicable to make changes to your benefits.
| Life Event |
Applicable Action (changes need to be completed within 30 days of the event) |
| Employee starts a leave of absence (disability, military, paid or unpaid) |
- Drop Medical, Dental, Vision, spending account changes, spouse, dependents
|
| Employee returns from leave of absence (disability, military, personal, paid or unpaid) |
- Enroll in Medical, Dental, Vision, spending account changes, add spouse and/or dependents
|
| Spouse or dependent starts leave of absence resulting in losing other coverage |
- Enroll employee and affected dependent in Medical, Dental and Vision. Spending account changes
|
| Employee or Dependent gains eligibility for other coverage |
- Drop Medical, Dental, Vision, Increase/Start/Decrease/Drop Dependent Care FSA
|
| Employee or Dependent loses other coverage |
- Enroll in Medical, Dental, Vision, spending accounts, add spouse and/or dependents
|
| Judgement requiring employee to cover dependent (QMSCO) |
- Enroll employee and required dependent in Medical, Dental and Vision
|
| Judgement allowing employee to drop covered dependent (QMSCO) |
- Drop affected dependent only Medical, Dental and Vision
|
| Mid-year expiration of COBRA |
- Enroll employee and affected dependent to Medical, Dental and Vision. Increase/Start Health Care FSA
|
| Mid-year dependent losing eligibility for our plan. Example: Aging out of parents coverage at age 26 |
- Dependent will automatically be dropped from coverage and be offered COBRA
|
| Employee/dependent entitlement to Medicare or Medicaid coverage |
- Drop medical coverage for impacted person.
NOTES: Employees cannot contribute to an HSA if they are enrolled in Medicare.
If enrollment in Medicare is delayed due to active employment group medical coverage, once termed you will receive a form from the Phillips 66 Benefits Center confirming group coverage after the participant turned 65.
|
| Cost Increase/Decrease for Dependent Care provider by 10% or more |
- Increase/decrease Dependent Care FSA
|
| Gain of dependent eligibility due to gain of citizenship |
- Enroll employee, spouse, and dependents in Medical, Dental, Vision, Health Care and Dependent Care FSA. Increase or decrease spending accounts
|
| Death of Spouse/dependent |
- Drop affected dependent from Medical, Dental and Vision. Increase/Decrease spending accounts
|
| Spouse or dependent starts strike or lockout resulting in loss of coverage |
- Enroll employee and impacted dependent in Medical, Dental, Vision coverage. Start/Increase/Decrease spending
|
| Gain/Loss of domestic partner |
- Enroll/Drop Medical, Dental and Vision coverage for employee and affected dependents. Increase/Decrease dependent spending account (DCFSA)
|