5. What benefits can I change?

All changes must be consistent with the IRS Code 125 cafeteria plan.

You may add:
Medical, dental, vision, flexible spending accounts, and/or a health savings account as allowed by IRS Code Section 125. If adding Voluntary Life, Cancer, Accident or Critical Illness coverage for a new dependent and the employee is not currently enrolled, then employee may be required to answer medical questions. In the case of marriage, birth, adoption or placement for adoption, you may elect to increase (but not reduce) the amount of your voluntary life insurance coverage (subject to plan limitations).

You may drop:
All benefits depending on the qualifying event. In the case of divorce, legal separation, annulment or death of a spouse or dependent, you may elect to reduce (but not increase) the amount of your voluntary life insurance coverage.