If you are newly eligible for benefits during 2019 and you enroll within 31 days of your benefit-eligibility date, the choices you make when you enroll remain in effect from the date of your eligibility through the earliest of December 31, 2019, or the last day of the month you transition to a status that is ineligible for benefit coverage, including termination.

Once you are covered, coverage for a new spouse or children born, adopted or placed with you for adoption during the year begins on the date of marriage, birth, adoption or placement. In all cases involving newly eligible dependents, you must notify the BNY Mellon Benefit Solutions Service Center within 31 days of the date the dependent became eligible for coverage.

After you enroll, except for changes in Health Savings Account contributions, you will be able to make changes to your benefit selections ONLY if you have a qualified life event during the year or one of the special enrollment rights applies. For more details, review the Changing Coverage section. Your next opportunity to make changes will be during Open Enrollment for the 2020 plan year.