You are automatically enrolled in basic coverage when you are both eligible and actively at work.

How you enroll in voluntary coverage depends on when you are enrolling, as described in the following sections.

The enrollment email you receive after you are hired will contain the materials you need to enroll in voluntary coverage for yourself and your eligible dependents. You will have 30 days from your hire date to enroll.

If you don't enroll in voluntary AD&D insurance coverage within this 30-day period, you will be enrolled in basic coverage only. However, you will have additional enrollment opportunities during open enrollment or if your needs change, as described in the following sections.

Each year during the fall, IQVIA holds open enrollment. During this period, you can change your options and/or level of coverage for the coming plan year. Elections made during open enrollment generally take effect on the following January 1 and remain in effect until December 31 of that same year.

After you enroll, your coverage under the AD&D Plan will remain in effect for the remainder of the calendar year. Generally, you can make changes only during the open enrollment period. However, because your needs may change when you experience certain life events (such as marriage, divorce, birth or adoption of a child, death of a dependent, etc.), you may be allowed to make mid-year enrollment changes in certain situations in accordance with Internal Revenue Code and as permitted by the plan administrator.

Changes to your coverage must be consistent with the qualified change in status. Depending on the status change, you may be able to enroll, change or drop optional life insurance coverage for yourself, your spouse or your eligible dependent child(ren).

When you enroll in the AD&D Plan, you must name a beneficiary for your benefit in the event of your death. You may name any person (or persons) you wish to be the beneficiary who receives the benefit payment. Visit the IQVIA Benefits Marketplace website to review or change your beneficiary. You may change your beneficiary at any time.

If, at the time of your death, there is no named or surviving beneficiary, Lincoln will pay the benefits to the executor or administrator of your estate. Lincoln may, at its option, pay the benefits to a surviving relative in the following order: spouse, child, parent, sibling. Such payment will release Lincoln of all further liability to the extent of payment.

When you enroll your spouse and/or dependent children in voluntary coverage, you are automatically the beneficiary. If you and your eligible dependents die at the same time (or within 24 hours of your death), benefits under the AD&D Plan will be paid to your estate.