If you decline to enroll in Citi medical coverage for you and/or your eligible dependents, including your spouse, because you and/or your family members have other health coverage, you may in the future be able to enroll yourself or your dependents in Citi coverage provided that you request enrollment within 31 days after the date your coverage ends because you or a family member lost eligibility under another plan or because COBRA coverage has ended.

In addition, if you have a new dependent as a result of a marriage, birth or adoption or placement for adoption of a child, you may also be able to enroll yourself and your eligible dependents provided you call within 31 days after the marriage, birth or adoption. Please note that the 31-day deadline was temporarily extended for qualified life changes that are considered HIPAA Special Enrollment events, due to COVID-19 guidelines. See "Changing Your Coverage" under Eligibility and Participation for more information.

If you miss the 31-day deadline, you must wait until the next Annual Enrollment period — or have another qualified change in status or special enrollment right — to enroll. Visit the "Qualified Changes in Status" section for more information.

To meet IRS regulations and Plan requirements, Citi reserves the right at any time to request written documentation of any dependent's eligibility for plan benefits and/or the effective date of the qualifying event.