Life Events Guide

 

  Life Events Guide

 

 

 

 

 

 

Summary of some of the more Common

Change of Status Events and Mid-Year Enrollment Changes Allowed for Employees Under a Benefit Plan

 

This chart is only a summary of some of the permitted changes and is not all inclusive.

If you experience the following

Event...

You may make the following change(s)

within 30 days of the Event…

YOU MAY NOT

make these types of changes...

Life / Family Events

 

 

Marriage

 

Enroll yourself, if applicable

Enroll your new spouse and other eligible dependents

Drop health coverage (to enroll in your spouse plan)

Change health plans

 

Drop health coverage and not enroll in spouse’s plan.

 

Divorce

Drop your spouse from your health coverage

Enroll yourself and your dependent children if you were

previously enrolled in your spouse’s plan

Drop health coverage for yourself

 

Gain a child due to birth or adoption (Effective date of birth or adoption placement)

 Enroll yourself, if applicable

Enroll the eligible child and any other eligible dependents

 Drop health coverage for yourself or any other covered     individuals

 Child requires coverage due to a

QMCSO

 

Add child named on QMCSO to your health coverage (enroll yourself, if applicable and not already enrolled)

 Make any other changes, except as required by the QMCSO

Loss of a child’s eligibility

(e.g., child reaches the maximum

age for coverage)

 

Drop the child who lost eligibility from your health coverage

Child will be offered COBRA.

Drop health coverage for yourself or any other covered individuals

 Covered person has become entitled to (or lost entitlement to) Medicare or Medicaid

 

Drop coverage for the person who became entitled

to Medicare or Medicaid

Add the person who lost entitlement

to  Medicare or Medicaid

 

Drop health coverage for yourself or any other covered individuals who are not newly Medicare or Medicaid eligible

 Spouse obtains health benefits in another group health plan

Drop your spouse from your health coverage

Drop your dependent children from your health coverage

Drop coverage for yourself

Add any eligible dependents to your health coverage

Spouse loses employment, experiences a termination of their

employer’s contribution, or

otherwise loses coverage for health

benefits in another group health plan

Enroll your spouse and eligible dependent

children in your health plan

Enroll yourself if previously not enrolled because you

were covered under your spouse’s plan

 

Drop health coverage for yourself or any other covered dependents

You return from Military leave

Enroll yourself

Enroll your spouse and other eligible dependents

 

 

You become newly eligible for benefits due to change in employment status

Enroll yourself

Enroll your spouse and other eligible dependents

 

 

 

 

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