Benefit Life Event

FAQ

What benefits am I allowed to changed when I have a life event?

Medical, dental, vision, disability, FSA and term life.

Who qualifies as an eligible dependent?

  • Your spouse (not including a common law spouse or domestic partner)
  • A child under the age of 26 including: natural child, step child, foster child, an adopted child or a child who is lawfully placed for legal adoption
  • A disabled child of any age
  • A child under the legal guardianship of the employee – Legal guardianship documentation or tax return showing the child as a dependent may be required

When can I add my spouse as a qualifying event?

  • Marriage (marriage certificate required)
  • Loss of spouse’s insurance coverage due to job loss (documentation is required)
  • Loss of spouse’s Medicare or Medicaid insurance coverage (documentation is required)
  • Loss of spouse’s COBRA coverage (documentation required)
  • Spouse’s employer has benefit open enrollment (documentation required)

When can I add my child as a qualifying event?

  • Birth or adoption
  • Loss of child’s insurance coverage because of a spouse or ex-spouse’s job loss (documentation required)
  • Loss of child’s CHIP/Medicaid insurance coverage (documentation required)
  • Loss of child’s COBRA coverage (documentation required)
  • Divorce (divorce decree required)
  • Spouse’s employer has benefit open enrollment (documentation required)
  • Court ordered change in who is responsible for child’s insurance coverage (documentation required)
  • Relatives other than parents (e.g. grandparent, aunt, uncle) must be able to show legal guardianship of the child or that they claim the child on their tax return as a dependent (documentation required)

When can I drop my spouse as a qualifying event?

  • Divorce (divorce decree required)
  • Separation from spouse is NOT a qualifying event
  • Death (death certificate required)
  • Spouse’s employer has benefit open enrollment and enrolls in new benefits (documentation required)
  • Spouse changes employer and enrolls in new benefits (documentation required)

When can I drop my child as a qualifying event?

  • Divorce (divorce decree required)
  • Separation from spouse is NOT a qualifying event
  • Death (death certificate required)
  • Spouse’s employer has benefit open enrollment and enrolls in new benefits (documentation required)
  • Spouse changes employer and enrolls in new benefits (documentation required)
  • Court ordered change in who is responsible for child’s insurance coverage
Updated on September 26, 2018

Was this article helpful?

Related Articles

Leave a Comment