Change in Status - Consistency Rule

[rocknrolls2]

Husband and wife work for different employers and are covered under their cafteria plans. Husband terminates employment. Since termination of the spouse's employment is a change in status event, can the wife (a) reduce or eliminate optional life, AD&D and (B) increase dental and still satisfy the consistency requirement?

[SLuskin]

You would think the wife would want to increase her life and AD&D, as she is now the primary breadwinner. But if there were good answers to the questions as to how the reduction in those benefits makes sense with the change which occurred, then yes, you can increase one benefit (I assume the husband lost his dental coverage) and decrease the other. What about adding the husband to her health insurance?