Changing your benefits

You can only make changes to certain pre-tax benefits (see below) during the year if you experience a Qualifying Event based on Internal Revenue Code (IRC) regulations and as defined in the GXO Benefits Plan Summary Plan Description (SPD). If you experience a Qualifying Event during the year, you can make changes appropriate for the type of life event within 30 days of the event date. Visit myGXO Portal > Your Benefits or call the GXO Benefit Center to make changes or access your GXO SPD.

Pre-tax benefits

Under IRC Section 125, your contributions for the following benefits are deducted from your pay on a pre-tax basis. Because of the tax advantage, you can only make changes during the year due to a Qualifying Event. (There are other pre-tax benefits that you can change anytime, such as HSA and 401(k) contributions.)

• Medical Benefits
• Dental Benefits
• Vision Benefits
• Short-Term Disability Buy-Up
• Health Care Flexible Spending Account
• Dependent Day Care Flexible Spending Account
• Commuter Spending Account

Post-tax benefits

You can make changes to your post-tax benefits at any time during the year since your contributions for these benefits are deducted from your pay after taxes are calculated. Post-tax benefits include:

• Supplemental Life Insurance for yourself, your spouse and children
• Supplemental Accidental Death and Personal Loss Insurance for yourself, your spouse and children
• Long-Term Disability Buy-Up

Please keep in mind that changes to the post-tax benefits listed above may require Evidence of Insurability (EOI).