If your spouse/domestic partner’s employment status changes, and they’re no longer eligible for benefits coverage with their employer, 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 may enroll your spouse/domestic partner in your medical, dental and/or vision plan. You may also change plans or 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 spouse/domestic partner’s employment status changing to enroll or make changes. If you miss this enrollment window, you'll have to wait until the next Open Enrollment period.
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, 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 by logging in to your HealthEquity account (SSO). Consider if you’d like to add your spouse/domestic partner as a beneficiary at this time.
Health Care Flexible Spending Account (FSA)
If you are not enrolled in any Aetna medical plan, you may enroll in or increase your contributions to your Health Care FSA, which lets you save up to $2,750 per calendar year on a pre-tax basis for qualified health care expenses. Contact TRI-AD, the FSA plan administrator, at 855-482-3623 with any questions.
Visit the Adobe benefits enrollment site within 31 days of your spouse/domestic partner’s employment status changing 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 with any questions.
Visit the Adobe benefits enrollment site within 31 days of your spouse/domestic partner’s employment status changing to enroll or make changes. If you miss this enrollment window, you'll have to wait until the next Open Enrollment period.
Life insurance
When your spouse/domestic partner loses benefits coverage, you may:
- Increase your life insurance amount up to the plan limits.
- Decrease your life insurance by any amount.
- Enroll your spouse/domestic partner and/or his or her dependent children.
- See more details about allowable changes.
- You can change your beneficiaries for your life insurance at any time. Consider if you’d like to add your spouse as a beneficiary at this time.
Visit the Adobe benefits enrollment site within 31 days of your spouse/domestic partner’s employment status changing to enroll or make changes. If you miss this enrollment window, you'll have to wait until the next Open Enrollment period.
Accidental death and dismemberment (AD&D) insurance
- Increase (or decrease) your supplemental AD&D insurance by any amount, up to the plan limits.
- Add your spouse and/or his or her children as a beneficiary to your AD&D insurance policy.
Visit the Adobe benefits enrollment site within 31 days of your spouse/domestic partner’s employment status changing to enroll or make changes. If you miss this enrollment window, you'll have to wait until the next Open Enrollment period.
Financial benefits
401(k) plan
When your spouse/domestic partner’s employment status changes, you may:
- Enroll in or increase your contributions to Adobe’s 401(k) retirement plan.
- Review your beneficiary designation for your 401(k) plan. Federal law requires that you name your spouse as the sole beneficiary of your 401(k) account, unless you have his or her written and notarized consent to designate another individual.
Go to Vanguard to learn more and make changes to your 401(k) account.
Financial coaching & resources
If your spouse/domestic partner’s employment status changes, you may face a wide range of financial issues. Adobe offers several financial wellness programs that can help, including a budgeting and spending support tool and financial wellness coaching.
Other benefits
Group legal plan
If you are enrolled in the MetLife Legal plan, Adobe's group legal benefit 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 your spouse/domestic partner loses benefits coverage.
Employee assistance program (EAP)
Having a spouse/domestic partner’s employment status change can be an emotional 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).