There are certain times of the year when workers can choose or change benefits. The main time is called open enrollment. New employees can enrol when they first start. And those who get married or have a baby can make changes in their coverage when this change in their life occurs. Late entrants are: (1) New employees who do not sign up within 31 days of being hired. They later choose coverage during open enrollment. (2) Employees who do not choose or change coverage within 31 days of getting married or having a baby. They later do so during open enrollment.