Qualifying life event

If you experience a qualifying life event, you may be allowed to make certain changes to your benefit elections outside of the Annual Enrollment period. You may make changes to your coverage when you have a qualifying life event; however, you must do so within 31 days of the event.

Eligible events include:  

  • A change in your legal marital status or domestic partner status*
  • The birth or adoption of a child
  • A dependent’s loss of eligibility (because he/she reaches the age limit for coverage, for example)
  • Death of a dependent
  • A change in your spouse’s or domestic partner’s eligibility for coverage
  • A change in your employment status that affects your eligibility for coverage (e.g., seasonal to regular; part-time hourly to full-time; or full-time to part-time hourly)
  • A change in your address or work location that affects the plans that are available to you

* IMPORTANT: Note that domestic partners generally are not eligible for any pre-tax benefits under federal tax law. However, after-tax elections to add or drop benefit coverage for a domestic partner are made in accordance with these qualifying life event rules, subject to any restrictions placed on mid-year election changes by an insurer.

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