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Require e-signature for all benefit changes before they appear in Manage Changes

2 issues I'd like to see resolved - 

1) when an employee changes a benefit but doesn't complete the workflow (e-sign something), I don't want their benefits to be updated until the workflow is completed. Use case: EE elects coverage during OE and signs paperwork, but then goes home and discusses it with spouse.  While discussing, they log in and click different options (enrollees or plans), but then leave system without re-signing; and 

2) when the service team gets notified of changes and views them in Manage Changes, they are what has been e-signed (or items that don't need signature, but that seems more confusing).


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