Generally, you may make changes during an annual open enrollment period, or within 31 days of a qualifying life event (60 days for birth, adoption, or gaining/losing coverage through a Medicaid or CHIP program).
However, certain changes are allowed outside open enrollment by logging your request in the online enrollment system, such as
- Dropping life insurance
- Reducing long term disability
- Dropping after-tax Colonial benefits
- Changing your personal HSA contribution
If you're a retiree, you may drop your insurance at any time by logging your request in the enrollment system.
To change other benefits outside of open enrollment, you'll need to have a qualifying life event. See below for the most common types of qualifying events.