Qualifying Life Events
Life is full of unexpected changes, and some of these moments may impact your benefits. Once you make your annual open enrollment benefits elections, they are generally active for the entire plan year. However, if you experience a Qualifying Life Event (QLE) it will allow you to adjust your benefit plans outside of the annual open enrollment period.
Enroll in benefits outside of your Annual Open Enrollment
Life happens—and when it does, your benefit needs may change too.
If you experience a Qualifying Life Event, you may update your benefit elections during the year with a special enrollment period. Some common events include:
Marriage or divorce
You can add or remove a spouse from your benefit plans.
Birth or adoption of a child
New additions to the family allow you to enroll your children in health plans or increase coverage.
Death of a dependent
Coverage changes may be necessary following the loss of a dependent.
Dependent eligibility change.
When a child reaches the age limit for dependent coverage or gains independent insurance, you may need to update your plans.
Employment status change.
A significant change in your work hours, role, or employment status (e.g., moving from part-time to full-time) of yourself or your spouse may qualify for benefit adjustments.
Moving.
Changing to a different ZIP code or county that impacts your coverage options.
Qualifying Life Event? Enroll within 30 days of the event during your Special Enrollment Period.
When Should You Enroll?
If you have a Qualifying Life Event, you must enroll during the Special Enrollment Period, which is within 30 days of the qualifying event.
The situations above outline the general guidelines. For complete details, please refer to the plan document. If you have questions or would like to discuss your specific life event and eligibility, please visit the Contacts page.
