Spouse's Job Change: What Now?

Find the best coverage for your family by adding your spouse to your plan or transitioning to theirs. Consider:

• Cost vs. Coverage — Compare premium rates against the level of care provided
• Network Access — Ensure preferred providers are in-network
• Personalized Needs — Check coverage for specialized treatments or medications

You can add your spouse to your health, dental, and vision plans. Consider adding accident, critical illness, or hospital indemnity coverage for both of you for added protection.

Reassess your finances after your spouse's job change:

• Evaluate Emergency Savings — Adjust spending based on available funds
• Explore Unemployment Benefits — Apply for unemployment assistance and other support programs
• Navigate Finances — Use Lincoln WellnessPATH for budgeting, debt management, and investment strategies
• Optimize Accounts — Adjust Health Savings Account (HSA) contributions within IRS limits
• Review Retirement and Investment Contributions — Do you need to adjust your contributions to hit your 401(k) goals, or do you need to focus those dollars elsewhere temporarily? Retirement might feel far away, but even small paycheck contributions can grow into a solid nest egg over time

As life changes, so should your key documents. Remember to:

• Update Beneficiaries — Adjust life insurance, retirement, and other policies
• Refresh Emergency Contacts — Ensure HR, insurers, and others have the correct details

Job loss brings financial and emotional challenges, but our Employee Assistance Program (EAP) through ComPsych offers resources to help 24/7:

• Counseling Services — Get five free sessions for individual, relationship, or family guidance. Additionally, access resources for grief, stress, anxiety, and job/life pressure
• Career Resources — Access job search help, networking tips, and education opportunities
• Legal Assistance — Receive advice on severance agreements, unemployment benefits, and employment rights
• Emergency Assistance Referrals — Find community resources for financial aid, food assistance, and temporary housing if needed