• Work/Life Events

Making Election Changes

The benefits you elect as a newly-eligible employee, or during Open Enrollment, stay in effect until the end of the year. IRS regulations do not allow for changes during the year unless you experience a qualifying work or life event, such as:

  • Marriage, legal separation or divorce
  • Birth, adoption or legal custody change of a dependent child
  • Death of a dependent
  • A change of employment status that affects benefits coverage
  • A change in eligibility for you or your dependents
  • An involuntary loss of other group coverage

Qualifying work/life events create a new benefit window for you to make changes to your benefit elections. You must notify the Benefits Department within 31 days of your qualifying event to update your benefits. For the birth of a child, coverage is effective as of their date of birth. For all other events, coverage is effective the first of the month following the event.

Contact benefits@navigators.org to discuss your event and what benefit changes may apply to you.

Click an event below for more information and instructions on how to change your elections:

Updates in Workday

Log in to your account at www.myworkday.com/navigators

  • Under the “Personal Information” button, you will be able to update your address, emergency contact information and legal name (a copy of your new Social Security card must be attached when changing your name).
    Questions? navs.humanresources@navigators.org
  • Under the “Pay” button, you will be able to update your federal withholding elections.
    Questions? payroll@navigators.org
  • Under the “Benefits” button, you can add your new spouse as a dependent (and check the box to make them a beneficiary, if desired).
    Questions? benefits@navigators.org
Other Updates

Fidelity account: If you have a health savings account (HSA) or flexible spending account (FSA), you’ll need to add your new spouse as a dependent and beneficiary. Sign in to Fidelity at www.netbenefits.com to make updates.

Life Insurance: Be sure your beneficiaries are accurate in Workday by clicking on the “Benefits” button and selecting “Beneficiaries.” This will allow you to view and edit the current list of names. Once that is complete, please send your specific primary and contingent beneficiary designation choices to benefits@navigators.org.

401(a) and 403(b) Retirement Accounts: Sign in to fidelity.com/public/nb/atwork/home and select “Profile,” then select “Beneficiaries” to add your beneficiaries for both accounts. If no beneficiary is listed, your spouse will automatically become the beneficiary or funds will go to your estate.

Updates in Workday

Log in to your account at www.myworkday.com/navigators

  • Under the “Personal Information” button, you will be able to update your address, emergency contact information and legal name (a copy of your new Social Security card must be attached when changing your name).
    Questions? navs.humanresources@navigators.org
  • Under the “Pay” button, you will be able to update your federal withholding elections.
    Questions? payroll@navigators.org
  • The Benefits Department will update dependents and beneficiaries in Workday once they receive your notification.
Other Updates

Fidelity account: If you have a health savings account (HSA) or flexible spending account (FSA), you’ll need to sign in to Fidelity at www.netbenefits.com to update your beneficiary.

Life Insurance: Be sure your beneficiaries are accurate in Workday by clicking on the “Benefits” button and selecting “Beneficiaries.” This will allow you to view and edit the current list of names. Once that is complete, please send your specific primary and contingent beneficiary designation choices to benefits@navigators.org.

401(a) and 403(b) Retirement Accounts: Sign in to fidelity.com/public/nb/atwork/home and select “Profile,” then select “Beneficiaries” to edit your beneficiaries for both accounts. If no beneficiary is listed and you have no spouse, funds will go to your estate.

Updates in Workday

Log in to your account at www.myworkday.com/navigators

  • Under the “Pay” button, you will be able to update your federal withholding elections.
    Questions? payroll@navigators.org
  • Under the “Benefits” button, you can add your new child as a dependent (and check the box to make them a beneficiary, if desired).
    Questions? benefits@navigators.org
Other Updates

Fidelity account: If you have a health savings account (HSA) or flexible spending account (FSA), you’ll need to add your new child as a dependent. Sign in to Fidelity at www.netbenefits.com to make updates.

Life Insurance: Be sure your beneficiaries are accurate in Workday by clicking on the “Benefits” button and selecting “Beneficiaries.” This will allow you to view and edit the current list of names. Once that is complete, please send your specific primary and contingent beneficiary designation choices to benefits@navigators.org.

401(a) and 403(b) Retirement Accounts: Sign in to fidelity.com/public/nb/atwork/home and select “Profile,” then select “Beneficiaries” to add your beneficiaries for both accounts. If no beneficiary is listed, your spouse will automatically become the beneficiary or funds will go to your estate.

Your dependent’s benefits coverage will end at the end of the month in which they turn age 26. Please see the COBRA Continuation of Coverage Notice below for more information on the option to continue certain benefits beyond age 26. After reviewing the COBRA chart, please contact benefits@navigators.org with any questions you might have.

COBRA Continuation of Coverage Notice

2020 COBRA Loss of Eligibility Chart

We understand how difficult it is to lose a loved one. We must still ask to be notified of the death of an immediate family member or a Navigators employee as soon as possible, and no later than 31 days. Please note, a death certificate will be needed to process benefits like life insurance and retirement benefits.

Updates in Workday

Log in to your account at www.myworkday.com/navigators

  • Under the “Personal Information” button, you will be able to update your address and emergency contact information.
    Questions? navs.humanresources@navigators.org
  • Under the “Pay” button, you will be able to update your federal withholding elections.
    Questions? payroll@navigators.org
  • The Benefits Department will update dependents and beneficiaries in Workday once they receive notification.
Other Updates

Fidelity account: If you have a health savings account (HSA) or flexible spending account (FSA), you’ll need to update dependent and beneficiary information. Sign in to Fidelity at www.netbenefits.com to make updates. If this is the death of an employee, please contact Fidelity directly at (800) 343-0860 for more information.

Life Insurance: Be sure your beneficiaries are accurate in Workday by clicking on the “Benefits” button and selecting “Beneficiaries.” This will allow you to view and edit the current list of names. Once that is complete, please send your specific primary and contingent beneficiary designation choices to benefits@navigators.org.

401(a) and 403(b) Retirement Accounts: If this is the death of an employee, please contact Fidelity directly at (800) 343-0860 to begin a disbursement.

For Mission Administrators

Please see the Mission Admin Manual for Survivor Care and Deceased Offboarding for information on how to process the death of an employee.

If you or one of your dependents has recently gained access to health insurance through new employment, this may open an eligibility window for you. You should contact benefits@navigators.org to discuss this change.

Updates in Workday

Log in to your account at www.myworkday.com/navigators

  • Under the “Pay” button, you will be able to update your federal withholding elections.
    Questions? payroll@navigators.org
  • Field Staff: If your weekly scheduled hours drop from benefits-eligible to 19 or below, the majority of your benefits will be waived. The only benefits that will continue for as long as you are employed are your 401(a) or 403(b) retirement account through Fidelity.
  • Headquarters/Admin: If your weekly scheduled hours drop from benefits-eligible to 29 or below, the majority of your benefits will be waived. The only benefits that will continue for as long as you are employed are your 401(a) or 403(b) retirement account through Fidelity.

Your benefits coverage will end at the end of the month during which you reduced your hours to a below-benefits-eligible level. Please see the COBRA Continuation of Coverage Notice below for more information on the option to continue certain benefits. After reviewing the COBRA chart, please contact benefits@navigators.org with any questions you might have.

COBRA Continuation of Coverage Notice

2020 COBRA Loss of Eligibility Chart

Your benefits coverage will end at the end of the month during which your employment ended. Please see the COBRA Continuation of Coverage Notice below for more information on the option to continue certain benefits. After reviewing the COBRA chart, please contact benefits@navigators.org with any questions you might have.

COBRA Continuation of Coverage Notice

2020 COBRA Loss of Eligibility Chart

Click here to learn more.

Questions on your benefits?

HR Benefits Department

benefits@navigators.org

(719) 594-2441

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