9/25    Anybody knows why companies disallow you to alter your benefits
        after open enrollment unless you have a status change?  Is it
        because it's too costly for them?  Too much paper work or what?
        \_ Insurance companies force it on them.
           \_ Real answer: They're cheap. As with most things in life
              you can do whatever you want if you pay enough money for
              the privilege. I got the "insurance companies force us
              to" or "government regulations say..." song and dance
              a few times, but learned at a company that switched to
              a more open policy from a more closed one that it can be
              done if they want it to happen. --dim