City of Memphis Benefit Changes

Full Time 

Benefits BENEFIT BASICS Changes made during open enrollment are effective (January 1st). 

Each year, during the fall Open Enrollment period, employees can enroll or make changes to their benefits for the following plan year. Rate charts and detailed benefits information are available on the Total Rewards website at https://totalrewards.memphistn.gov. 

QUALIFIED LIFE EVENTS/CHANGE IN FAMILY STATUS 

Generally, employees can only change benefit elections during the annual open enrollment period. However, employees may change benefit elections during the year if they experience a qualified life event/change in family status, including: • Marriage • Adoption of or placement for adoption of a child • Divorce or legal separation* • Change in employment status of employee or spouse • Change in dependent child’s age per guidelines • Birth of a child • Qualified medical child support order • Death of a spouse or dependent child • Qualify for Medicare or Medicaid The Summary Plan Description (SPD) shows the health benefits available to employees and covered dependents. It is available on the Total Rewards website. It provides details on who is eligible, when coverage begins, when employees can change coverage, covered and excluded services and how benefits are paid. 

NOTE: *Employees are required to report a divorce or annulment of marriage to the Total Rewards Benefits Service Center within 30 days of the event. Failure to report within the 30-day timeframe may affect employee premiums, ex-spouse Cobra eligibility and result in extra member medical costs 

WHO IS ELIGIBLE? • All full-time employees working a minimum of 30 hours per week. • Your legal spouse/partner if he or she is not legally separated from you and does not have access to other insurance. • Note: Effective January 2025, commissioned Fire and Police, paramedics, communication dispatchers and operators whose spouses have access to employer-sponsored coverage can be added to your coverage with no surcharge.