Benefit Plan Enrollment requiring EOI, existing Benefit pan is delimited

Hi Everyone,
Here is the situation...
When an employee changes his/her benefit plan and enrolls into a
benefit plan requiring EOI, the existing benefit plan record is
delimited, it puts an end date to the existing plan. We would like to keep the existing one active until the pending one get activated when we receive the EOI.
Do you have any ideas?
Thank you!

@Andre
  Here is ONE way I have seen it done (a more elegant solution might be possible via User-exit/BAdI/workflow. Several moving parts here so bear with me....
(1) Employee goes online and selects coverage that requires EOI. Say that the max without EOI is $250,000 and the max with EOI is $500,000.
(2) On the screen that shows that coverage, verbiage is added to the effect of "The selection you made requires EOI. Your requested coverage will not be valid until EOI is provided and approved. However, during this transition, you will be covered up to the maximum of $250,00 until time that EOI has been approved."
(3) Nightly, a batch process runs that looks for newly created records with the EOI flag empty (since the employee can not set this themselves, the record will show that it is still needed). At that time, the batch program performs the following...
(4) In the background, the first is for the $500,000 coverage amount but is flagged "locked/inactive". A second record is created for the same dates but for the $250,000 coverage amount....therefore, the employee is in fact covered to the max w/o EOI.
(5) Since there can now be a lag in time....Upon receipt of EOI and approval, an HR admin goes in and deletes the second "hold" record and remove the flag/lock on the original record.
Make sense?

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