What happens when life changes?

Each year, during the annual selection window you can tailor your benefit package to suit your lifestyle. Typically the choices you make during the window will remain in place until the end of the flex year. However life is not always that straightforward. There are some ‘lifestyle events’ upon which you can revisit your benefit selections if your personal circumstances change. The benefits that can be changed depend on the nature of your lifestyle event and are defined in the table below.

These lifestyle events are determined by HMRC rules, benefit providers and in some cases internal American Express process. It is not possible to change your benefit selection unless you experience a qualifying lifestyle event.

If you wish to change your benefits as the result of a qualifying lifestyle event, you can make the request via FYB Flex by hovering over you name on the top right left hand side of the Total Reward Statement (Home) and then clicking on ‘Life Event’. This will open a new window, where you must click on ‘new’ and complete the details as requested, finally clicking on update.

If you need to change your benefit options but have not had a specific lifestyle change you must wait until the annual selection window towards the end of the calendar year.

Special note on Master Trust Pension, Cycle to Work, Partner Health Assessment and Childcare Vouchers

Master Trust Pension, Cycle to Work selections can be amended during any regular monthly window from 4 - 28 of the month. Selections will be valid for the following month.

Please note that the Childcare Vouchers scheme is now closed to new members, however, if you are already signed up to the Childcare Vouchers scheme then you can continue to claim and amend your selection each month - as long as you continue to meet the relevant eligibility criteria,

Special note on Life Assurance and Critical Illness Cover

Any change to either Life Assurance or Critical Illness Cover must be made within 2 months of the lifestyle event.

Help and information

If you have any questions about benefits or the FYB Flex programme, please contact the FYB Flex Helpdesk on 0203 893 1116 (8.30 – 6pm Monday to Friday) or email helpdeskEMEA@darwin.com.

At work: The Square | FYB Flex UK Anytime on any device: fybflexuk.com

This guide is designed as an aid to understanding. Every effort has been made to ensure accuracy in the guide, however FYB Flex is the system of record for benefit information and rates. Benefit providers may amend terms & conditions related to each benefit.

Help and support