Family status changes may include marriage, divorce, the birth of a child, the adoption of a child, the pre-adoption placement of a child, the start of a permanent legal guardianship for a child under the age of 19, the death of a family member, or a dependent ceasing to be eligible for coverage due to age. Please note that legal separation is not a qualifying event to remove a spouse from health, dental, or vision insurance.
Loss of other comparable coverage and qualifying for other comparable coverage are considered qualifying events for health, dental, and/or vision insurance.
Time Limits for Qualifying Events
There are time limits for form submittal due to family status changes. In order to make changes to insurance or other benefits, Human Resources must be in receipt of your benefit change form(s) by the deadline for the qualifying event. Most qualifying events have 30 calendar day deadlines to make changes to, enroll in, or cancel coverage, so HR recommends you submit any benefit change form(s) to HR as soon as possible following an eligible qualifying event to ensure you do not miss the deadline.
A limited number of qualifying events - including birth and adoption - have an extended 60 calendar day deadline to add a child to health insurance coverage. Please note that other changes to health insurance due to these qualifying events, such as changing health plans or cancelling coverage to go on a spouse's plan, still have a 30 calendar day deadline.
Documentation Requirement for Health Insurance
Effective January 1, 2025, the Department of Employee Trust Funds (ETF) will require in-person verification of legal proof of parenthood and/or marriage (e.g. birth certificate, marriage certificate, and/or court order for adoption) for all new enrollments and all enrollments or changes due to midyear qualifying events. This is in addition to existing documentation requirements for other qualifying events and benefits, such as proof of loss of coverage documentation or proof of divorce.
This expanded documentation requirement does not impact qualifying event deadlines to return benefits form(s) to Human Resources. Because of this, HR recommends you still submit any benefit change form(s) to HR as soon as possible following an eligible qualifying event to ensure you do not miss the deadline. Any required documentation can be presented for verification at a later date, as soon as it becomes available to you.
Once your documentation has been verified and ETF gives final approval to your change, health insurance coverage for you and/or your dependent(s) will backdate to the event date unless otherwise advised.
