What is a Qualifying Event?

by John Sudberry

Typically, you can add and drop insurance through your employer only during open enrollment,  once a year. However, there are qualifying, life events that allow you to change your coverage during the year. But once an event happens, you only have 30 days (check with your plan for the rules) to notify human resources about the change and elect different coverage.

Here is a partial list of events that allow changes in benefits.

Qualifying Events

  • Marriage
  • Birth or adoption of a child
  • Divorce
  • Spouse loses or gains coverage at their employment
  • Spouse open enrollment
  • Eligible for Medicare
  • Increase or decrease in hours

Send proof (marriage license, birth certificate) of the event to your HR representative, and they will help you make your changes. If you decide to keep insurance as is, you will be allowed to add/change during the next open enrollment period.