When you get divorced, there are many details—legal, financial, emotional—to consider. Here are some benefits-related actions you may want—or need—to take.
Health and welfare plans
Medical, dental & vision
You must drop your former spouse and/or former stepchildren from your medical, dental and/or vision plan. You can also enroll yourself and your children if you were not previously enrolled. See more details about allowable changes.
Visit the Adobe benefits enrollment site within 31 days of your divorce date to enroll or make changes.
Your former spouse will receive a COBRA packet from bswift approximately 14 business days after their coverage under your plan ends. View the 2024 COBRA rates [PDF] or 2025 COBRA rates [PDF].
Health Savings Account (HSA)
If you have a HealthEquity HSA and you are changing who you cover in your Aetna HealthSave medical plan, review your HSA contribution limit to ensure you maximize your savings but don’t over-contribute. Call the HSA experts at HealthEquity at 877-713-7680 if you need help accessing your IRS HSA contribution limit. They’re available 24 hours a day every day.
You can change your HSA contribution amount at any time on the Adobe benefits enrollment site.
You can change your beneficiaries for your HSA at any time throughout the year by logging into your HealthEquity account (SSO). Consider if you’d like to remove your former spouse as a beneficiary for your HSA account.
Health Care Flexible Spending Account (FSA)
If you are not enrolled in any Aetna HealthSave medical plan or if you opt out of Adobe medical coverage, you may enroll in or increase your contributions to your Health Care FSA, which lets you save up to $3,300 per calendar year on a pre-tax basis for qualified health care expenses. Contact Tri-Ad, the FSA plan administrator, at 855-482-3623 if you have any questions.
Visit the Adobe benefits enrollment site within 31 days of the date of your divorce to enroll or make changes. If you miss this enrollment window, you'll have to wait until the next Open Enrollment period.
Dependent Care Flexible Spending Account (FSA)
You may enroll in or change your contributions to your Dependent Care FSA, which allows you to make pre-tax contributions of up to $5,000 per calendar year for dependent care expenses. (This amount includes the dependent care gift from Adobe.) Contact TRI-AD, the FSA plan administrator, at 855-482-3623 if you have questions.
Visit the Adobe benefits enrollment site within 31 days of the date of your divorce to enroll or make changes.
Life insurance
When you get divorced, you must remove your former spouse and/or former stepchildren from your life insurance policy.
You may also increase your life insurance amount by a maximum of three increments or up to the plan limits. Decrease your life insurance by any amount. See more details [PDF] about allowable changes.
Consider if you’d like to change your life insurance beneficiary from your former spouse to another person. You can update your beneficiaries at any time throughout the year.
Visit the Adobe benefits enrollment site within 31 days of the date of your divorce to enroll or make changes.
Accidental death and dismemberment (AD&D) insurance
When you get divorced, you may:
- Increase or decrease your supplemental AD&D insurance by any amount, up to the plan limits.
- Change your AD&D insurance beneficiary from your former spouse to another person.
Visit the Adobe benefits enrollment site within 31 days of the date of your divorce to enroll or make changes.
Financial benefits
401(k) plan
When you get divorced, you may change the beneficiary for your 401(k) retirement plan from your former spouse to another person.
Contact Vanguard Participant Services at 800-523-1188, Monday through Friday, 8:30am to 9:00pm EST with questions related to a Qualified Domestic Relations Order “QDRO.”
Go to retirementplans.vanguard.com to learn more and make changes to your 401(k) plan.
My Secure Advantage
Adobe’s financial wellbeing benefit through My Secure Advantage (MSA), includes confidential one-on-one consultations with an experienced, unbiased, certified financial professional. Adobe covers the cost of your Money Coach consultations [PDF], and your Coach can provide you with guidance on topics like managing joint assets, handling spousal and/or child support, developing an action plan for tax implications and more.
Schedule your consultations online by visiting adobe.mysecureadvantage.com or calling My Secure Advantage (MSA) at 888-724-2326 to get started.
Other benefits
529 education savings plan
You may save pre-tax for a child's education by enrolling in a 529 education savings plan or increasing contributions to an existing account.
Go to Vanguard's College Savings site to enroll or go to your plan’s website make changes at any time.
Group legal plan
If you need legal representation for your divorce and are enrolled in Adobe's group legal, the plan provides direct access to attorneys.
Contact MetLife at members.legalplans.com or by calling 800-621-6400.
You may enroll in or waive group legal coverage when you get divorced.
Employee assistance program (EAP)
Getting divorced can be an emotional and stressful time. You may want to consider reaching out to our EAP.
Visit Spring Health, Adobe’s EAP provider, at adobe.springhealth.com (access code: adobe) to sign up and activate your benefits. For immediate help 24/7, call the Spring Health Immediate/Crisis Support Line: 855-629-0554 (toll free).