When Life Changes

When Your Life Changes, Your Benefit Needs May Also Change

Certain changes in your life impact your benefits and generally require you to take action within 31 days of your life event. See below for information about what happens:

What if …? Impact on your benefits …
If you have or adopt a child

You have 31 days from the date of the event to enroll in or make changes to your benefits.

Medical, Dental and Vision
You can add your dependent to your current coverage.

Employee Assistance Program (EAP)
Your new dependent is eligible for EAP benefits.

Flexible Spending Accounts
You can enroll in day care and health care spending accounts or change your contributions.

Health Savings Account
You can change your contributions. You can add your new dependent as a beneficiary.

Life and AD&D Insurance
You can add your new dependent as a beneficiary. You can change your coverage level and/or purchase additional coverage for your dependent.

401(k) Plan
You can add your new dependent as a beneficiary.

Employee Stock Purchase Plan (ESPP)
You can add your new dependent as a beneficiary.

Family Medical Leave Act (FMLA)
You can request a leave of absence.

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If you get married

You have 31 days from the date of your marriage to enroll in or make changes to your benefits.

Medical, Dental and Vision
You can add or drop coverage for yourself and/or eligible dependents.

Employee Assistance Program (EAP)
Your new spouse is eligible for EAP benefits.

Flexible Spending Accounts
You can enroll in, stop or change contributions to day care and health care flexible spending accounts and submit your spouse’s eligible expenses for reimbursement.

Health Savings Account
You can change your contributions. You can add your spouse as a beneficiary.

Life and AD&D Insurance
You can add your spouse as a beneficiary. You can change your coverage level and/or purchase additional coverage for your spouse.

401(k) Plan
You can add your spouse as a beneficiary.

Employee Stock Purchase Plan (ESPP)
You can add your new dependent as a beneficiary.

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If you get divorced or legally separated

You have 31 days from the date of your divorce to enroll in or make changes to your benefits.

Medical, Dental and Vision
You can add or drop coverage for yourself and/or eligible dependents. You must drop coverage for your ex-spouse and ineligible dependents within 30 days from the date that your divorce is finalized.

Flexible Spending Accounts
You can enroll in, stop or change contributions to day care and health care flexible spending accounts and submit your ex-spouse’s eligible expenses for reimbursement.

Health Savings Account
You can change contributions. You can remove your ex-spouse as a beneficiary.

Life and AD&D Insurance
You can change your coverage level. You must drop life insurance for your ex-spouse and you may update your beneficiaries.

401(k) Plan
You can remove your ex-spouse as a beneficiary.

Employee Stock Purchase Plan (ESPP)
You can remove your ex-spouse as a beneficiary.

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If you die

Your dependents should call the NetApp Benefits Service Center at 1.888.7HRBENS (1.888.747.2367) as soon as possible.

 

For information about the 401(k) Plan, your dependents should contact Fidelity Investments at 1.800.835.5095.

Medical, Dental, Vision and Employee Assistance Program (EAP)
Your dependents’ coverage continues until the end of the month in which you die. Your covered dependents can continue coverage under COBRA.

Flexible Spending Accounts
Your contributions end, but your dependents can submit claims for expenses incurred prior to your death.

Health Savings Account
Your beneficiary(ies) may be entitled to your account balance.

Life and AD&D Insurance
Your beneficiary(ies) may be entitled to your plan benefits.

401(k) Plan
Your beneficiary(ies) may be entitled to your account balance.

Employee Stock Purchase Plan (ESPP)
Your beneficiary(ies) will have a 90-day window to exercise any stock options available in the account on the date of your death.

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If your child reaches the maximum age limit for coverage

You have 31 days from the date of this event to make changes to your benefits.

Medical, Dental, Vision and Employee Assistance Program (EAP)
Coverage for your dependent ends on the last day of the month in which he or she reaches the maximum age limit.

Flexible Spending Accounts
You can change or stop your Health Care Spending Account contributions.

If your child is no longer considered your tax dependent, you can no longer submit expenses for that child to the Health Care Spending Account.

Health Savings Account
You can change your contributions.

Life and AD&D Insurance
Coverage for your child ends on the last day of the month in which he or she is eligible.

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If your spouse:
  • Starts or stops employment
  • Changes his/her status from full time to part time or vice versa
  • Experiences a change in his/her employer-provided benefits

You have 31 days from the date of this event to enroll in or make changes to your benefits.

Medical, Dental and Vision
You can add or drop coverage for yourself and/or eligible dependents.

Flexible Spending Accounts
You can enroll in, stop or change contributions to day care and health care flexible spending accounts.

Health Savings Account
You can change your contributions.

Life and AD&D Insurance
You can change your coverage level.

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If you become disabled

Once your coverage ends, you have 60 days to enroll in COBRA.

Medical, Dental and Vision
Your coverage continues up to a maximum of 12 months while you are on disability leave. You will repay your contributions upon return from leave. You may then be eligible to continue coverage under COBRA.

Flexible Spending Accounts
You can pay for your health care flexible spending account deductions while you are on leave. You can stop your contributions.

Health Savings Account
You can change your contributions.

Life and AD&D Insurance
You may be able to continue your life insurance coverage at no cost to you under a premium waiver, subject to ongoing approval from MetLife.

401(k) Plan
If you have an outstanding loan, you may choose to submit your loan repayment via ACH or you may choose to stop payment. However, after one year of non-payment while on a leave, the loan will be defaulted and you will be responsible for any excise tax penalty and the balance of the loan will be subject to income tax in the following tax year.

Family Medical Leave Act (FMLA)
You can request a leave of absence.

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If you move and your current plans aren’t available in your new area

You have 31 days from the date of this event to enroll in or make changes to your benefits.

Medical
You can enroll in a new plan.

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If you leave NetApp

You have 60 days from your notification date or coverage-end date to enroll in COBRA.

You have 31 days to elect and pay for life and AD&D insurance continuation.

Medical, Dental and Vision
You may be eligible to continue coverage under COBRA.

Flexible Spending Accounts
You may be eligible to continue your health care flexible spending account and day care benefits under COBRA through the end of the year.

Health Savings Account
The account belongs to you and you may continue to reimburse yourself for eligible expenses you incur in the future.

Life and AD&D Insurance
Your coverage ends. You can convert life insurance coverage to an individual policy or port (take with you) your current term coverage within 31 days of your termination date.

401(k) Plan
Visit Fidelity Benefits at www.401k.com to determine if you need to roll over funds.

Employee Stock Purchase Plan (ESPP)
You will receive a refund of your contributions if your termination date is prior to the stock purchase date.

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