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You are able to transfer insurance plans during open enrollment
time, which is usually in October, with a January 1 effective date.
Retiree Restriction: Retirees may transfer or add an Optional Rider
only during enrollment periods in even-numbered years. However,
retirees who have been retired for at least one year can take
advantage of a once-in-a-lifetime provision to transfer or add an
optional rider at any time. Once-in-a-lifetime transfers become
effective on the first of the month following the date that the
Health Benefits Application is processed.
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