Most large employers and many smaller ones offer employees a chance to adjust health, life and other benefits during a set period of time each year. This period is known as an Open Enrollment Period. For federal employees, it's called Open Season.

An open enrollment period is a good time to reexamine your benefits and adjust them to your wishes given your current state of health and prognosis.

No medical questions are asked for changes in health coverage.

Medical questions may be asked if you apply for life or disability coverage. If medical questions are asked, consider the potential consequences of answering -- particularly if you haven't yet disclosed your health condition to your employer.

The sooner you think about what changes you can and should make during an open enrollment period, the more likely you will be able to maximize your benefits to fit your needs.

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