Your Employee Benefits Guide
Life changed?
Update your benefits in minutes.
Got married, welcomed a baby, or need to adjust an account like your HSA or Commuter plan? Here's exactly how to make the change in your Employee Navigator portal — step by step, no guesswork.
Two ways to make a change
Both start in the same place — your Change Benefits screen. Pick the path that matches your situation.
Something big changed in your life
Use this when a real life event lets you add, drop, or change your coverage outside of open enrollment.
Adjusting an account — no event needed
Use this for benefit types you're allowed to change any time of year, without a qualifying life event.
You'll only see this option if at least one supported benefit is active and ready for enrollment.
Where to start
Everything runs through the same feature. From your Employee Navigator home, follow this path.
Submit a Life Event in 6 steps
For marriage, a new baby, a move, loss of coverage, and the other events listed above.
Go to your Employee Home
Log in to Employee Navigator, head to your Employee Home, then open Change Benefits.
Click "Submit a Life Event"
This starts a new qualifying-life-event request.
Select the event type
Choose the option that matches — marriage, birth/adoption, loss of coverage, and so on.
Enter the life event date
This is the date the event actually happened. Double-check it before moving on (see the note below).
Complete the enrollment changes
Add or remove dependents, switch plans, or update coverage as needed.
Submit the event
Review everything, then submit. You're done!
Get the date right the first time
The life event date can't be changed once the event is started. To fix a wrong date, the event has to be canceled and reprocessed from the beginning.
One event at a time
You can only have one active life event going at once. Finish or cancel the current one before starting another.
Backdating a life event
Life happens on its own schedule. Here's how far back you can date an event in the portal.
The most you can retroactively make a change on your own is 30 days. Anything between 30 and 60 days back may still be possible with underwriter approval — reach out to Waugh Agency and we'll see what we can do.
Change an account in 5 steps
For HSA, Parking, Transit, and Adoption Assistance — no qualifying event required.
Go to your Employee Home
Log in to Employee Navigator and open Change Benefits.
Look for "Changes Allowed Any Time"
This section holds the accounts you can adjust without a life event.
Click "Update Plans"
Opens the accounts that are eligible for a midyear change.
Make the allowed changes
Adjust your contribution or election for the eligible account.
Save the update
Save your changes and you're all set.
Don't see this option?
You'll only see "Changes Allowed Any Time" if at least one supported benefit is active and ready for enrollment. If it's missing, you may not currently have an eligible account — check with Waugh Agency.
Quick answers
Which one do I need — a Life Event or a Midyear Change?
I entered the wrong life event date — can I just edit it?
How far back can I date a life event?
Can I start a second life event before finishing the first?
Where do I log in?
Stuck? We've got you.
Not sure which path fits your situation, or need to go back further than 30 days? The Waugh Agency team is happy to help you sort it out.
Log in to Employee Navigator →