Life Events
Navigating your employee benefits should be simple and stress-free. This page is designed to provide you with easy access to the essential tools and resources you need to understand, manage, and maximize your benefits. Whether you're reviewing your healthcare plan, preparing for retirement, or seeking wellness resources, you'll find a variety of resources to help you along the way.
Navigating Change
We understand that every transition—whether it’s welcoming a new family member, advancing your career, or planning for retirement—brings both challenges and opportunities. Our goal is to support you with tailored benefits and resources, ensuring that each step of your journey is met with the care and attention you deserve.
If you experience a qualified life event, complete your changes within 30 days of the event. Click here to learn how.
Getting married is an exciting moment in life. Before you walk down the aisle, there are a few things you should consider.
Review your health and welfare coverage to determine which plan is the right fit for your new family. You can add your spouse to your coverage or end your Holmes Murphy coverage if you are moving to your spouse’s policy. Some key considerations as you decide:
- Cost vs. Coverage: Balance premium rates with the level of care.
- Network: Ensure your preferred healthcare providers are in-network.
- Your Unique Needs: Evaluate coverages for specialized treatments or medications you may need.
Don't forget to harmonize your financial plans as you blend your lives. From boosting your HSA contributions to re-evaluating your 401(k) goals, here's how to secure a prosperous future together.
- Maximize your accounts: If you are enrolled in the HDHP with HSA and add your spouse, you can increase your HSA contribution up to the IRS family limits. See the Benefits Guide for more information.
- Evaluate your savings strategy: Discuss your long-term strategy with your spouse. Are you setting enough aside in your 401(k) to reach your goals? Retirement may seem like a long time away, but remember, making small contributions each paycheck can yield a big savings balance over time.
Review your beneficiary designations on your life and AD&D insurance, 401(k), HSA (if you’re enrolled in the HDHP), and other financial investments and policies to make sure your assets are allocated to the right person.
Welcoming a child into your family is a joyful and life-changing experience. There are several important factors to consider as you get ready for this exciting new journey.
Full-time associates can take four weeks of Paid Parental Leave following the birth, adoption, or foster placement of your child. You may also qualify up to twelve weeks of unpaid Family Medical Leave (FMLA). This leave runs concurrent with any paid leave.
To request a leave, notify your manager and call the Absence Management Center at 1-800-888-8880.
As your family grows, be sure to review your coverage.
- Medical: Add your new bundle of joy to your health plan.
- Life insurance: To ensure your family is protected, you may need to increase your coverage.
- Legal needs: Do you need a will or other legal documents to protect your family? The EAP can help with legal consultations.
Raising children can be expensive, but don’t worry, we can help you keep dollars in your pocket.
- Dependent Care FSA: This account allows you to set aside pre-tax dollars to pay for eligible childcare expenses.
- Find Childcare: The EAP can help with finding licensed childcare providers as well as back-up care options.
Whether you’re losing a job or starting a new opportunity, when you or your spouse experience a job change, consider the following.
Review your health and welfare coverage to determine which plan is the right fit for your new family. You can add your spouse to your coverage or end your Holmes Murphy coverage if you are moving to your spouse’s policy. Some key considerations as you decide:Review your health and welfare coverage. You can add your spouse to your coverage, or you can end your Holmes Murphy coverage if you are moving to your spouse’s policy. Some key considerations as you decide:
- Cost vs. Coverage: Balance premium rates with the level of care.
- Network: Ensure your preferred healthcare providers are in-network.
- Your Unique Needs: Evaluate coverages for specialized treatments or medications you may need.
The loss of a job can be a stressful, emotional experience. All employees and their dependents can receive free, confidential assistance from licensed counselors available 24 hours a day, seven days a week. You can also receive up to six free in-person or virtual visits per issue, per year. If you need more care and are enrolled in a medical plan, additional counseling may be available to you.
The end of a marriage can be one of the most stressful times in life. Your benefits provide some resources to get you through the process.
The Employee Assistance Program (EAP) provides employees and their dependents with free, confidential assistance, including:
- Legal services: EAP representatives can help you locate an attorney for free consultation and discounted legal representation.
- Mental health: Licensed counselors are available 24 hours a day, seven days a week. You can receive up to six free in-person or virtual visits per issue, per year. If you need more care and are enrolled in a Holmes Murphy medical plan, additional counseling may be available.
Review your health and welfare coverage to determine which plan is the right fit for you (and your dependents, if applicable) given the change. You can enroll, change your coverage, or end your Holmes Murphy coverage, depending on your circumstances.
Review your beneficiary designations on your life and AD&D insurance, 401(k), HSA (if you’re enrolled in the HDHP with HSA), and other financial investments and policies to make sure your assets are allocated to the right person. Consider seeking legal counsel before designating a minor as a beneficiary due to limitations on payouts of life and AD&D policies to minors.
If an unthinkable loss happens, know that your Holmes Murphy family is here to help. Stay in close contact with your manager and use the tools and resources available to you.
Full-time associates are eligible for bereavement leave. You may also qualify for a leave of absence.
To request a leave, notify your manager and call the Absence Management Center at 1-800-888-8880.
You can receive 24/7 in-the-moment phone support and up to six in-person or virtual counseling sessions per issue per year. The sessions are free and confidential and provided by licensed counselors who can help. Learn more here.
If your covered spouse passes, start a life insurance claim by calling Securian at 1-800-555-5555 from Monday to Saturday from 8 am to 8 pm CST.
Contact the Benefits Center for assistance with removing your loved one from your health and welfare coverage or enrolling in coverage for yourself and dependents if you lose coverage. Call the Benefits Center at 1-800-888-8880 from Monday to Saturday from 8 am to 6 pm CST.
Review your beneficiary designations on your life and AD&D insurance, 401(k), HSA (if you’re enrolled in the HDHP with HSA), and other financial investments and policies to make sure your assets are allocated to the right person.
Make Changes to Your Benefits
After a qualified life event, you have 30 days to update your benefits. When you're ready to make changes, click here for step-by-step instructions.
