Getting Divorced

Medical, Dental, and Vision

You must drop your former spouse and/or former stepchildren from your medical, dental, and/or vision plan. You can also enroll yourself and your children if you were not previously enrolled.

Visit Benefitsolver within 31 days of your divorce date to enroll or make changes.

Approximately 14 business days after their coverage under your plan ends, a COBRA packet will be sent to the address we have on file for you, unless you provide a separate address for your former spouse.

Health Savings Account (HSA)

If you have an HSA and you’re changing whom you cover in your UnitedHealthcare medical plan, review your HSA contribution limit to ensure that you maximize your savings but don’t over-contribute. Call Fidelity at (800) 544-3716 if you need help accessing your IRS HSA contribution limit. 

You can change your HSA contribution amount or beneficiaries at any time through Benefitsolver. Consider whether you’d like to remove your former spouse as a beneficiary for your HSA account.

Health Care Flexible Spending Account (FSA)

You may enroll in or change your contributions to your Health Care FSA, which lets you save up to $3,200 per calendar year on a pretax basis for qualified health care expenses. Contact HealthEquity, the FSA plan administrator, at (877) 924-3967 if you have any questions.

Visit Benefitsolver within 31 days of the date of your divorce to enroll or make changes. If you miss this enrollment window, you’ll have to wait until the next Open Enrollment period.

Dependent Care Flexible Spending Account (FSA)

You may enroll in or change your contributions to your Dependent Care FSA, which allows you to make pretax contributions of up to $5,000 per calendar year for dependent care expenses. Contact HealthEquity, the FSA plan administrator, at (877) 924-3967 if you have any questions.

Visit Benefitsolver within 31 days of the date of your divorce to enroll or make changes. If you miss this enrollment window, you’ll have to wait until the next Open Enrollment period.

Life and AD&D Insurance

When you get divorced, you must remove your former spouse and/or former stepchildren from your life insurance policy.

You may also:

• Increase your supplemental life insurance up to $50,000 above your current benefit level (not to exceed the lesser of 5 times your annual earnings or $500,000). Evidence of Insurability (EOI) is required for amounts that exceed this.
• Decrease your supplemental life insurance by any amount.
• Increase (or decrease) your supplemental AD&D insurance by any amount, up to the plan limits.
• Change your beneficiary. (You can change your beneficiaries for your life and AD&D insurance at any time throughout the year.)

Visit Benefitsolver within 31 days of the date of your divorce to enroll or make changes.

401(k) Plan

When you get divorced, you may change the beneficiary for your 401(k) Savings Plan from your former spouse to another person.

Go to Fidelity or call (800) 835-5095 to learn more and make changes to your 401(k) account.

Group Legal Plan

If you’re enrolled in the MetLife Legal Plans, MetLife’s attorneys can provide legal representation for your divorce. Create an account at MetLife Legal Plans, or call (800) 821-6400.

Employee Assistance Program (EAP)

Getting divorced can be an emotional and stressful time. You may want to consider reaching out to our EAP. Professional counselors are available 24/7 to assist you and refer you to therapists and coaches. You have access to a limited number of free counseling visits a year, per covered family member.

Visit Lyra or call (844) 856-2213.