Life Changes

//Life Changes
Life Changes 2017-11-03T03:56:50+00:00

If you have a life change, such as getting married or having a baby, you should make sure your benefit coverage continues to match your needs. In most cases, you cannot change your benefit elections until the next annual Open Enrollment period. If the event occurs during the year, special rules apply to changing coverage.

Qualified Event/Family Status Changes

You can change your benefit elections outside of Open Enrollment only if you have a Qualified Event or Family Status Change, which include:

  • Have a baby/adopt a child
  • Change in marital status
  • Gain/loss of other group coverage, including Medicare/Medicaid
  • One of your dependents gains/loses other group coverage, including Medicare/Medicaid
  • Employment change that affects your benefits
  • You become disabled or die

If you have a Qualified Event or Family Status Change and want to make benefit changes during the year:

  • You must make any benefit changes within 30 days of the qualified event.
  • Changes must be consistent with the Family Status Change. For example, if you have employee only medical coverage and get married, you may waive coverage or change your medical coverage category to employee + spouse. You may also add your spouse to other coverages.
  • You must provide necessary verification documentation for your dependents (proof of loss or gain of other coverage) within 30 days of the qualified event. You may fax the documentation to 949-328-2763 or email it to benefitchanges@ensignservices.net. Be sure to include a cover sheet with the documentation that includes your name, and employee ID number.
  • If you are adding new dependents to your coverage based on a qualifying life event, you must provide necessary documentation (such as a marriage or birth certificate) within 45 days of the event. You can submit these documents as one file on Workday or you may fax the documentation to 949-328-2763 or email it to benefits@ensignservices.net. Be sure to include a cover sheet with the documentation that includes your name, and employee ID number.