Change in Enrollment

Because your medical/prescription, dental care benefit premiums, vision benefit premiums and contributions to your health care and dependent care accounts are paid on a pre-tax basis, special rules limit you from changing your enrollment elections during the plan year unless you have had one of the qualifying changes in family or employment status during the year.

A qualifying change is any one of the following:

change in your marital or domestic partner status
change in number of your dependents
gain or loss of employment by you or your dependents
increase or decrease in hours worked by you or your dependents
your dependent becomes, or ceases to be, eligible for coverage
change of your place of residence or work to a location not serviced by your coverage
unpaid military leave (in addition, contributions will be waived)

Changes to your medical/prescription, dental and/or vision care elections due to these reasons can only be made if you or your dependents lose or gain eligibility for those benefits. The change must correspond to that gain or loss of coverage. Any change to your dependent care account elections due to these reasons must correspond to a change that affects your dependent care expenses.

During the plan year, you may also change your elections to correspond to one of the following:

a court order
you or your dependent’s entitlement to Medicare or Medicaid
you take a leave of absence protected by the Family and Medical Leave Act
you or your dependent lose other coverage (for a reason other than you stop paying premiums) including termination and other COBRA coverage
for medical/prescription, dental and vision care coverage, a significant premium cost change upon going from full-time to part-time or part-time to full-time status
for dependent care account, a significant change in the cost of dependent care imposed by the dependent care provider (other than your relative)
there is a change under an employer plan that has a different period of coverage than the plan’s period of coverage (e.g., your spouse’s employer’s plan has a plan year that starts June 1, and you would like to change your current election because of the election your spouse will make under the spouse’s employer’s plan

Election changes become effective on the event date if you notify the Lubrizol Benefits Center (at 1-844-747-1641) within 30 days of the event (60 days in case of a birth).

Special Enrollments

You may enroll yourself or you and your depend
ents within 30 days of acquiring a new dependent (60 days for a newborn). Coverage will begin on the date the dependent first becomes eligible for coverage (e.g., date of birth or marriage).
You may also enroll yourself and/or your dependent(s) for coverage within 30 days of the loss of other coverage unless the loss is due to failure to pay premiums or for cause. Satisfactory proof of the loss of other coverage must be provided. Coverage will be effective on the date of the loss of other coverage.
If you transfer to another work location, which results in a change in the medical and/or dental plan(s) to which you are eligible, you may enroll yourself and your dependents within 30 days of the transfer. Coverage will begin on the date of transfer.
If you or your dependents become ineligible for Medicaid or CHIP and lose coverage or if you or your dependents become eligible for a state’s premium assistance program, you have 60 days from the event to request enrollment in your employer’s plan. If you enroll within the 60 days, you or your dependents will be covered under Lubrizol’s plan retroactive to the date of the triggering event.

If these special circumstances apply to you, please contact the Lubrizol Benefit Center. If you or your dependents do not enroll within the time limits described above, you will be able to enroll for coverage in the same plan year of eligibility effective on the first day of the month following enrollment.

Changes that may affect your coverage or the coverage of a dependent:

marriage
birth of a child
adoption of a child
death of dependent
transfer to another location
legal separation
dependent becomes eligible
dependent ceases to be eligible
loss of domestic partner eligibility

Adding a dependent (marriage, domestic partnership, birth of a child, or adoption of a child):

To add a dependent you must visit Lubrizol.BenefitsNow.com to add your new dependents to benefit coverage

Add Domestic Partner

Follow these steps to add your domestic partner to coverage:

Gather necessary information:

Domestic partner social security number.
Domestic partner date of birth.
Supporting documentation.

If adding additional dependents due to add domestic partner event, make sure you have new dependents' social security numbers and dates of birth.

Verifying Domestic Partners:

Supporting documentation is required. Supporting documentation will be required by the Dependent Verification Center within 30 days of the event date. For more information on the process for verifying a domestic partner, click here.

For tax implications when adding a domestic partner to coverage, please review How to Understand Imputed Income for a Domestic Partner.

Add Dependent Child

Follow these steps to add your newly eligible child (new baby, adoption, adult child, etc.) to coverage:

Gather necessary information:
- Child social security number (If you are enrolling your new baby before you receive a social security number it is important that you go back into the system and update the social security number upon receipt)
- Child date of birth.
Visit Lubrizol.BenefitsNow.com to add your newly eligible child to your benefit coverage.
Supporting documentation is required.

Add a New Spouse

Follow these steps to add your spouse to coverage:

Gather necessary information:
- Spouse social security number
- Spouse date of birth
- Copy of your marriage certificate
- If adding additional dependents due to marriage event, make sure you have new dependents’ social security numbers and dates of birth
Complete PAR to change your marital status by submitting a ticket through MyHR.
Visit Lubrizol.BenefitsNow.com to add your spouse to your benefit record – EVEN IF YOU ARE NOT ADDING YOUR SPOUSE TO COVERAGE. If you are adding your spouse to coverage, you may do so at the same time. Medical surcharge may apply if your Spouse/Domestic Partner has access to group health care coverage. See enrollment guide for details.
Supporting documentation is required.

Other important things to remember when adding a new dependent:

Supporting documentation is required. After you enroll your new dependent in coverage you will receive a letter from Lubrizol’s Dependent Verification Center with instructions about how to verify your new spouse’s eligibility.

Please Note: If you add a newly eligible dependents to your coverage, a notice to your newly eligible dependent about their eligibility for COBRA continuation coverage will be mailed to them. This is a government required notice explaining your rights under COBRA continuation coverage.

Remember Your Taxes:
Consider reviewing your tax withholding. If changes are required, submit a new federal tax withholding form to Lubrizol Payroll. You can find these forms on MyHR under ADP/Payroll Time & Attendance.

Remember Your Beneficiaries:

Listed below are beneficiary forms or instructions to make any changes to your beneficiaries:

Visit Lubrizol.BenefitsNow.com to change your beneficiaries for your employer-paid and supplemental life insurance.
Pension - If you are married, your spouse is your only beneficiary for the pension plan until after you separate employment or retire.
The 401(k) Plan - Visit the Empower Retirement Participant Website to add or change a beneficiary.

For additional questions, please contact the Lubrizol Benefits Center.

New member ID cards will be issued approximately 3-4 weeks after you submit your elections. If you want a temporary card you can go to includedhealth.com

Removing a dependent from coverage

To remove your spouse or domestic partner from coverage, visit Lubrizol.BenefitsNow.com or contact the Lubrizol Benefits Center at 1-844-747-1641.

Supporting documentation is required.

If your dependent child is turning age 26

Your dependent child will automatically be dropped from the Plan at the end of the month in which they turn 26. No action is required from you and COBRA continuation coverage will be mailed to them.

Other important things to remember when dropping a dependent:

Please Note: A notice to your dropped dependent about their eligibility for COBRA continuation coverage will be mailed to them. This is a government required notice explaining your rights under COBRA continuation coverage.

Remember Your Taxes:

Consider reviewing your tax withholding. If changes are required, submit a new federal tax withholding form to Lubrizol Payroll. You can find these forms on MyHR under ADP/Payroll Time & Attendance.

Remember Your Beneficiaries:

Listed below are beneficiary forms or instructions to make any changes to your beneficiaries:

Visit Lubrizol.BenefitsNow.com to change your beneficiaries for your employer-paid and supplemental life insurance.
Pension - If you are married, your spouse is your only beneficiary for the pension plan until after you separate employment or retire.
The 401(k) Plan - Visit the Empower Retirement Participant Website to add or change a beneficiary.

For additional questions, please contact the Lubrizol Benefits Center.

Becoming Medicare Eligible While Working

Medicare Information for Active Employees

For more information regarding Medicare, contact cms.gov

Changes in Employment

Changes in Hours worked (FT to PT/ PT to FT), Separation of employment, Phased in retirement, Retirement)

If you have a change in employment status that impacts your eligibility under the Plans this will automatically update in the system.

Remember Your Taxes

Consider reviewing your tax withholding. If changes are required, submit a new federal tax withholding form and update your information for Name/Marital Status Change with Lubrizol Payroll. You can find this information on MyHR, under ADP/Payroll Time & Attendance.

Special note about domestic partners: A former domestic partner cannot remain on your active coverage as a dependent.

If Lubrizol is notified within 60 days of termination of domestic partnership, COBRA continuation coverage will be offered to your ex-domestic partner at the most recent address on file.

Life and Work Events