Who's Eligible?
Under the S&P Global health and insurance plans, you can cover:
- Yourself, if you are a regularly scheduled to work least 20 hours per week, working in the United States or outside the United States classified as an expatriate* or temporarily working abroad.
- Your spouse (same or opposite sex) or domestic partner (same or opposite sex) as long as you enroll yourself and certify that your spouse or domestic partner is eligible for coverage.
- Your children, including your spouse’s or domestic partner’s natural or adopted children, up to age 26. If your unmarried child is incapable of self-support because of a physical or mental disability, he or she may qualify for coverage beyond age 26.
Dependents who work at S&P Global can have your coverage or their own coverage, but not both.
*Expatriates are not eligible for S&P Global Medical Options; however they are eligible for the Expatriate Healthcare Plan.
What Is a Qualified Life Event?
You may be permitted to make a change to your benefit plans during the course of the year if you experience a “qualified life event.” A qualified life event means:
- A change in your legal marital status, including marriage to a spouse, divorce from your spouse, death of your spouse, legal separation from your spouse or annulment of your marriage to your spouse;
- A change in the number of your tax dependents through birth, adoption, placement for adoption or death;
- Termination or commencement of employment by you, your spouse or dependent;
- A change in domestic partnership or civil union status; or
- A change in work schedule, such as reduction or increase in work hours (for S&P Global employees, a reduction or increase above or below 20 regularly scheduled work hours), a change pertaining to your spouse or your dependent that affects eligibility for the plan or another employer’s health plan, or your dependent’s ability or inability to satisfy dependent eligibility requirements.
To change your coverage, you must notify the Benefits Center at 1-866-477-6820 (from 8am to 8pm, Monday – Friday, Eastern Standard Time) of a qualified life status change event within 30 days after the event. If you do not notify the Benefits Center within the time specified, you will not be able to add an eligible dependent or make any other coverage changes until the next Open Enrollment period (changes made during Open Enrollment become effective the following January 1), unless you experience an additional mid-year election change event. If your enrollment election is received by the Benefits Center within the 30-day period described above, the coverage for the qualifying life event will be effective retroactive to the date of the event.
