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Eligibility & Enrollment (cont.)Quick answers to your questions.Once you enroll in a benefits plan, the only time you can make changes to your benefits is during OpenEnrollment or if you experience a Qualifying Life Event.5. Can I make changes to my benefits after I enroll?7. Do I have to enroll in benefits?Our benefits are optional. You can %u201cwaive%u201d medical, dental, and visioncoverage if you%u2019re covered through another plan, such as a planoffered through your spouse%u2019s job. Keep in mind that if you waivecoverage, you won%u2019t be able to enroll in our benefits again until openenrollment next year - unless you experience a qualifying life event.If you refuse the health insurance offering, you may have to pay apenalty. Although the federal penalty requiring individuals to maintainhealth coverage was reduced to $0, some states have their ownmandates.To avoid paying these penalties in certain states, you can sign up forhealth insurance through our benefits program or purchase coveragefrom somewhere else, such as from a State or Federal HealthInsurance Exchange.Curious about Healthcare Reform and the Individual Mandate? Reachout to the Benefits Team or visit www.healthcare.gov.Mancini Duffy willautomatically enrollyou in the companypaid Life and DisabilityInsurance.56. How do I enroll if I experience a Qualifying Life Event?If you experience a Qualifying Life Event, please submit your life event request in ADP and upload thenecessary supporting documentation. The documentation type needed will be advised when you submityour QLE in ADP.Examples of Qualifying Life Events:Marriage, divorce, or legal separationBirth or adoption of a childDeath of a dependentGain or loss of CHIP coverage for a childLoss of other health coverage for yourself or adependentGain of other health coverage for yourself or adependentAccording to the IRS guidelines, you must submit your request 30 days from the event date. Alternatively,if you lose eligibility or are enrolled in Medicare, Medicaid, or other state health programs, you mustsubmit the request within 60 days. If you are unsure, please get in touch with Human Resources, or emailservice@thecacompanies.com.Check out your Cigna Virtual Benefitseducation Link Here:https://www.benefitseducationcigna.com/7b73cb2e4ae7238e1dad0140f842a157