Changing Your Benefits

Congratulations! This is an exciting moment in your life, and it’s also your opportunity to update your benefits. If you miss your 30-day window, you’ll need to wait until Open Enrollment to update your coverage. Life just gave you a milestone moment—don’t miss your chance to make sure your benefits reflect it.

Medical, dental, and vision

Getting married opens the door to new coverage choices. You can add your new spouse and any newly eligible children to your medical, dental, and vision plans. If it makes more sense, you can drop your current coverage and enroll in your spouse’s employer-sponsored plan.

To keep everything moving smoothly, be ready to provide a marriage certificate to add your spouse and birth certificates for any stepchildren you’re adding.

Once you start your qualifying life event in BenefitFocus, you’ll have 30 days to upload your documents in BenefitFocus. If documents aren’t submitted on time, your dependents won’t be covered—so be sure to take action while the moment is still open.

Health Savings Account (HSA)

If you’re contributing to an HSA, this is a great time to take another look. After getting married, you may want to consider updating your beneficiary and increasing your contributions to help cover your eligible dependents’ healthcare expenses. A small update now can make a big difference down the road.

Flexible Spending Accounts (FSAs)

A qualifying life event may also give you the opportunity to enroll in an FSA or increase your current contributions to better match your needs. You can also start using your FSA funds to cover eligible expenses for your new spouse and other eligible family members—helping you stay flexible as your life changes.

Voluntary life and accident insurance

Marriage may be the perfect time to take another look at your protection. You can change your coverage level and choose additional coverage for your spouse and stepchildren, if needed. You can also add them to Accident, Critical Illness, and Hospital Indemnity insurance. While you’re doing that, be sure to review and update your beneficiary information so that it reflects what matters most to you now.

Even more voluntary benefits to consider

Your benefits don’t stop at health coverage. You can also explore optional protections like:

• Legal plan
• Pet insurance
• Identity theft protection

These extras can help round out your coverage and give you added confidence—whatever life brings next.

A few more smart updates to check off

As you settle into this new chapter, it’s also a good idea to review and update:

• Your personal information in People Portal, including a name change, if needed
• Your W-4 deductions and state withholding
• Your 401(k) Savings Plan contribution—you may want to increase it
• Your beneficiary information for your 401(k)
• Your name and address with the Social Security Administration and the DMV
• Eligibility requirements and tax implications if you’re enrolling a domestic partner

Life just gave you a major milestone. Don’t miss your moment to make sure every detail—and every benefit—shines just as brightly.

Ending a relationship with a spouse or domestic partner can be an emotional and challenging time for you and your family. You don’t have to navigate it alone. But you do have a limited amount of time to review and update your benefits. Knowing what to do and where to turn can help bring a little clarity during an uncertain moment.

Support for your emotional wellbeing

Separation and divorce can touch every part of your life—from your emotions and home to finances, co-parenting, and your children’s wellbeing. It’s a lot to carry, and you don’t have to do it on your own.

The Employee Assistance Program (EAP), through Modern Health, is available to help connect you with the right support and resources for you and your family, whether you need someone to talk to, guidance through a tough decision, or help navigating what comes next.

Reaching out is a strong first step. Don’t miss your moment to take care of yourself and get the support you need during this time.

Medical, dental, and vision

When a relationship ends, your healthcare benefits need to reflect that change. Here’s what to know:

• You’ll need to remove your spouse or domestic partner, along with any other dependents who are no longer eligible, from your current coverage.
• If you were previously covered under your spouse’s or domestic partner’s plans, you can now enroll in Pandora medical, dental, and vision coverage for yourself and any eligible dependents.
• To complete your changes, you’ll need to provide a copy of your final divorce decree or dissolution of domestic partnership.

Once you start your qualifying life event, you’ll have 30 days to submit your documentation. Documents are uploaded directly to your benefits record through BenefitFocus.

This is a lot to manage during an already difficult time, but taking care of these updates now can help create stability moving forward. Don’t miss your moment to make sure your coverage is set up for what’s next.

Flexible Spending Accounts (FSAs)

A separation or divorce may also give you the opportunity to revisit your Flexible Spending Account. With this qualifying life event, you may be able to enroll in an FSA or adjust your contribution amount to better reflect your current situation.

Updating your FSA can help ensure you have the right level of support for eligible healthcare and dependent-related expenses as you move forward. Life has shifted. Make sure your benefits shift with it, thoughtfully and on your terms.

Voluntary life and accident and supplemental insurance

A divorce or the end of a domestic partnership gives you the opportunity to revisit your coverage and make sure it fits your life today. You can:

• Adjust your coverage level to better match your current needs
• Add additional coverage, if it makes sense for you
• Remove coverage for your former spouse or domestic partner, along with any other dependents who are no longer eligible

Taking a few moments to review these options can help bring peace of mind as you move forward.

A few more important updates to review

As part of this transition, it’s also a good time to review and update:

• Your personal information in People Portal, if needed
• Your W-4 deductions and state withholding
• Beneficiary information across all benefits—including life and AD&D insurance and your 401(k)
• Your name and address with the Social Security Administration and the DMV, if applicable

These updates help ensure everything is accurate, aligned, and working the way it should, so you can focus on what comes next. Don’t miss your moment to set yourself up with clarity and confidence.

Congratulations! Growing your family is an exciting time, and it can also come with a lot to think about. That’s why Pandora offers benefits, programs, and resources designed to support you through this transition.

From coverage updates to family focused support, we’re here to help you understand your options, take the right next steps, and feel confident about what comes next. You don’t have to figure it all out at once, and you don’t have to do it alone.

Taking parental leave

Becoming a parent is a big, beautiful life change, so slow down and soak it in. Pandora offers paid parental leave so that you can focus on bonding with your new baby or adopted or foster child, settle into new routines, and spend meaningful time together as a family.

As you plan your time away, be sure to review the parental leave policy so that you know what to expect and how to make the most of this benefit.

Need help adjusting to life as a parent?

Parenthood is a big transition. Becoming a parent brings a lot of joy and a lot of adjustment. Whether you’re looking for emotional support, help finding child care resources, or guidance as you prepare to return to work, you don’t have to figure it out alone.

The Employee Assistance Program (EAP), through Modern Health, offers confidential resources and support for you and your family, whenever you need it.

Medical, dental, and vision

Welcoming a new child is a big moment, and it’s your chance to make sure their healthcare coverage is in place. You can add your new family member to your medical, dental, and vision plans. To complete your update, be ready to provide a birth certificate or hospital birth announcement (if your child is under 6 months old) or adoption or fostering documentation.

Once you begin the qualifying life event, you’ll have 30 days to submit your documentation. Documents are uploaded directly to your benefits record through BenefitFocus. If documentation isn’t submitted on time, your child won’t have coverage, so be sure to take action while this window is open. Don’t miss your chance to protect and care for your growing family from day one.

Health Savings Account (HSA)

If you’re contributing to an HSA, now is a great time to check in. With a growing family, you may want to update your beneficiary and consider increasing your HSA contributions to help cover eligible healthcare expenses for your child and other eligible family members.

A small adjustment today can help give you flexibility and peace of mind for the moments ahead. Don’t miss your chance to make your HSA work even harder for your family.

Flexible Spending Accounts (FSAs)

A growing family often comes with new, and sometimes unexpected, costs. This qualifying life event may give you the chance to enroll in an FSA or increase your current contributions, so your benefits better match your needs. You can also use your FSA to cover eligible expenses for your child and other eligible family members, helping you manage everyday costs with a little more ease.

Life just changed in a big way. Make sure your benefits are keeping up.

Voluntary life and accident and voluntary insurance

Welcoming a new baby or growing your family through adoption or fostering is a perfect time to take another look at your protection. You may want to adjust your coverage level or add coverage to help safeguard your child and your family’s future. It’s also a good moment to review and update your beneficiary information, if needed, so everything reflects your growing family.

This is about peace of mind—for today and for the moments ahead. Don’t miss your chance to make sure your coverage is keeping up with the life you’re building.

When you’re part of a couple, your spouse’s or domestic partner’s work changes can affect your benefits, too. If a spouse or domestic partner starts or stops a job or experiences a change in employment that results in a loss of coverage, you have a limited window to act. If you have an adult child on your coverage, that coverage ends at the end of the month that the child turns 26.

You’ll have 30 days from the date coverage ends to add:

• Your spouse or domestic partner
• Yourself (if needed)
• Any eligible dependents who also lost coverage

Taking action during this window helps ensure there’s no gap in coverage. Life changes quickly—it’s important to keep your benefits aligned and your family protected.

Note: Certain state-sponsored programs allow up to 60 days to make changes based on regulatory requirements.

Medical, dental, and vision

If your spouse or domestic partner loses healthcare coverage, you have the opportunity to step in and keep everyone protected. You can enroll your spouse or domestic partner—and any eligible dependents who also lost coverage—in your medical, dental, and vision plans.

One important thing to keep in mind: Under IRS rules, a portion of your domestic partner’s premium is deducted after taxes, and the company paid portion is treated as taxable income.

Health Savings Account (HSA)

If you’re contributing to an HSA, a change in your partner’s coverage is a good time to take another look. You may want to update your beneficiary and consider increasing your HSA contributions to help cover your spouse’s eligible healthcare expenses.

A small update now can help you stay prepared and keep your healthcare savings working for both of you. Don’t miss your moment to make your HSA fit your life today—and what’s ahead.

Flexible Spending Accounts (FSAs)

You may be able to make helpful updates to your Flexible Spending Account, including enrolling in an FSA for the first time or increasing your contribution amount to better reflect your current needs. You can also use your FSA to submit eligible expenses for your spouse and other eligible family members for reimbursement, giving you a little extra flexibility as life changes.

When life shifts, your benefits should shift with it. Make sure your FSA works for you.

Voluntary life and accident insurance

When life changes, it’s a good time to check your protection. You have the option to adjust your coverage level and add coverage for your spouse or domestic partner and other eligible family members, so your benefits reflect the people who count on you.

While you’re there, take a moment to review and update your beneficiary information, if needed. It’s a simple step that can make a meaningful difference.

Losing a loved one is incredibly difficult, and it’s fine to take things one step at a time. During this period of grief, Pandora benefits can provide support—with care, understanding, and resources designed to help ease the practical details while you focus on what matters most.

Bereavement leave

During a time of loss, having space to grieve and be with family is important. Full-time employees are eligible for bereavement leave.

This benefit provides five days of paid time off following the death of an immediate family member. This time is yours to pause, reflect, and be with loved ones. Don’t miss your moment to take the care and time you need during this difficult chapter.

Managing stress

Grief can show up in many ways, and it’s normal to need extra support during this time. The Employee Assistance Program (EAP), through Modern Health, offers confidential resources to help you navigate the grieving process, whether that means talking with someone, finding coping tools, or simply having a safe place to pause and breathe.

You don’t have to carry this alone. Reach out to get the support you deserve.

Spouse and child life insurance

Losing a spouse or child is one of life’s most heartbreaking experiences. During a time when everything can feel overwhelming, we can help you navigate the next steps with care and compassion.

If you elected spouse or child life insurance coverage, our team is ready to support you through the claims process at your pace with understanding every step of the way.

To begin a life insurance claim, visit metlife.com/lifeinsuranceclaims or call (800) 638-5433.

Medical, dental, and vision

After the loss of a loved one, you’ll have a few practical details to take care of—when you’re ready. If a covered family member passes away, you’ll need to remove that person from your medical, dental, and vision coverage.

Making this update helps ensure your coverage and premiums are accurate. If the change isn’t made, you may continue to be charged for that person’s coverage.

Health Savings Account (HSA)

If you’re contributing to an HSA, this may be a time to pause and review a few important details. You may want to update your beneficiary information and consider whether your HSA contributions still align with your current needs. Taking care of these updates can help ensure that your account reflects your situation today and supports you moving forward.

Flexible Spending Accounts (FSAs)

After a loss, your day-to-day needs may look different, and your benefits can adjust, too. You may want to enroll in a Flexible Spending Account (FSA) or update your contribution amount to better match your current situation. Your FSA can continue to help cover eligible expenses for you and other eligible family members, providing a bit of financial flexibility when you may need it most.