Page 7 - Hitachi Benefits Booklet Final

Changes to enrollment

Annual Open Enrollment
During our annual open enrollment period (typically held in November), you may make new benefit elections for the
following January 1st effective date.

Qualifying Event (Mid-Year Changes)
Once you make your benefit elections, you cannot change them throughout the year unless you experience a qualifying
event as defined by the IRS. Examples include, but are not limited to:

Marriage, divorce, legal Birth, adoption, or death of a Qualified Medical Child Change in your dependent’s
separation, or annulment child or spouse Support Order (QMCSO) eligibility status

Loss of coverage from Change in your residence or Loss of coverage through Eligibility for a state’s
another health plan or workplace (if your benefit Medicaid or Children’s premium assistance
Spouse’s Open Enrollment options change) Health Insurance Program program under Medicaid or
(CHIP) CHIP

Coverage for a new dependent is not automatic. If you experience a qualifying event, you have 30 days to update your
coverage. Please contact the Human Resources Department immediately following a qualifying event to complete the
appropriate election forms as needed. You may login to Sterling Online System to update your dependent information
as needed. Sterling Online System login information is located on page 5 of this guide. If you do not update your
coverage within 30 days of the qualifying event, you must wait until the next annual open enrollment period to update
your coverage.

30 days Enrollment is easy when you log into Sterling Online System.
How Can I Enroll?

to make changes if you Login information is located on page 5 of this document.
experience a qualifying event