But this is my Insurance Policy! I should be able to make whatever changes I want whenever I want!

  • The insurance available through ACBL Benefits is a Group Policy. Team members may pay their portion of the insurance premiums, but the policy as a whole is a group plan. Because it is a group plan it must be administered by the same set of rules for all team members and their dependents.
  • Additionally, many of our benefits are paid for using Pre-Tax money. Under IRS rules and regulations, benefits can only be changed under certain situations mid-year if they impact taxes.