For employers with health and welfare plans that renew on a calendar year basis, it’s open enrollment season once again. And, despite all the planning that goes into making open enrollment a success — the  targeted communications, the employee meetings — it’s inevitable that, after open enrollment closes, employee questions like these will start to roll in: “I missed the deadline, can I still make an election?” “I picked the wrong plan, can I change my election?” “I didn’t realize I would be defaulted into a plan, can I drop coverage?” “I meant to elect FSA benefits, but I accidentally elected DCAP benefits,” and so on…  When dealing with these kinds of participant requests or enrollment errors, employers often are inclined to grant corrections, but before doing so it is important to understand all the rules that come into play.  How you respond to these kinds of requests should take into account the following considerations:

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