Getting Married
Congratulations! This is a very exciting time in your life, but don't forget that getting married qualifies as a life-changing event and allows you to make
changes to some of your benefits within 31 days of your marriage.
| Read |
about benefits changes and eligibility guidelines. |
| Decide |
which eligible changes you would like to make. |
| Enroll |
by following the enrollment process. |
Address Change
If you are moving to a new address, be sure to notify your HR department. If you have a new last name, don't forget to change your voice-mail
message and order new business cards.
Health Insurance
Following your marriage, you can add your spouse (and new dependents) to the plan you are currently enrolled in: PPO300, PPO600 or EPO. If you decide to enroll in your spouse's medical plan, you can drop coverage for yourself.
To add or drop coverage, follow the enrollment process. If you fail to make changes within the time allowed, you will have to wait until the next
Open Enrollment with coverage changes effective January 1st.
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Flexible Spending Accounts
Getting married may mean more expenses such as doctor office copays, glasses and maybe even child care costs. A Flexible Spending Account can help
you save for these predictable expenses and lower your taxable income.
Health Care Spending Account: you may enroll or increase your pretax election amount if you are already enrolled.
Dependent Care Spending Account: you may enroll or increase or decrease your election amount (if already enrolled) if the marriage affects dependent care expenses
and the change made to your election is a result of your marriage. For example, you may decrease your election amount if your new spouse is not employed which
eliminates the need for day care.
Qualifying changes to your FSA must be made by following the enrollment process. If you neglect to make changes within the time allowed, you will
have to wait until the next Open Enrollment to make changes for the next Plan Year.
Changes to your Flexible Spending Accounts begin the first day of the next full benefit coverage period after the employee contacts their local HR department to
complete the notification process. If waiving DCSA, coverage terminates at the end of the benefit coverage period in which the employee contacts their local HR department
to complete the notification process and the final DCSA premium will be deducted from the next paycheck.
Life Insurance
Now is a good time to review your life insurance options and update beneficiary designations. You may want to consider purchasing dependent life
insurance for your spouse or new children by following the enrollment process.
Note: If you and your spouse are both employed by Enterprise, you may not cover your spouse as a dependent and only one parent may cover the dependent children.
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Retirement Savings Plan
If you are participating in the Enterprise Retirement Savings Plan and you get married, your legal spouse is automatically your beneficiary. You must, however, still visit the online beneficiaries service available through Fidelity NetBenefits® at www.401k.com to update your beneficiary designations for the Retirement Savings Plan. If you are married and want to designate someone other than your legal spouse to receive any portion of your account upon death, your spouse must consent to the designation in writing on the forms provided by Fidelity. If your spouse does not consent, your account balance must be paid to your surviving spouse regardless of any other beneficiary designation.
LifeManagement Program
LifeManagement professionals provide confidential consultation 24 hours a day, whether you are dealing with a change in the workplace, preparing for the arrival
of a new child, or struggling with an emotional concern. One single call or web site login to the LifeManagement team allows you access to both work/life specialists
and licensed program consultants who can provide specialized resource and referral assistance, in person counseling, and more.
Call 1-800-980-2273
Tax Exemptions
You may also want to change your tax exemption status.
- Employee Withholding Allowance Certificate (W-4) (Federal Tax)
- Employee Withholding Allowance Certificate (State Tax)
You can also use the Payroll WorkCenter to change
to update your Federal W-4 online.
Beneficiary Changes
You may want to change your life insurance and Retirement Savings Plan beneficiary designations as a result of your recent marriage. You must designate the same beneficiary for Basic Life/Optional Life/AD&D Insurance.
Basic Life/Optional Life/AD&D Insurance Beneficiary Designation Form (PDF)
To update beneficiaries for your Retirement Savings Plan, visit the online beneficiaries service available through Fidelity NetBenefits® at www.401k.com.
(Always check with your tax advisor regarding adding minor children as beneficiaries)
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