Changing Your Benefits After Open Enrollment – Qualifying Life Events

Benefits cannot be changed outside of Open Enrollment, unless an employee has a Qualifying Life Event (QLE). A QLE is a major life change. Common examples of QLEs include, but are not limited to:

• Marriage
• New dependent (birth, adoption, placement for adoption)*
• Child loses eligibility
• You, your spouse, or child becomes covered under other employer plan
• You, your spouse, or child loses coverage under another plan
• Election to terminate plan during spouse’s Open Enrollment
• Medicare, Medicaid, or CHIP coverage change
• Divorce, annulment
• Deceased spouse or child under 26

Please note that not all plans may change during a QLE and there may be more events that are considered QLEs that are not featured in the above list.

*When adding dependents during a QLE, you must submit dependent verification.