Benefit Life Event
What is a life event?
Examples of qualifying life events are:
- Marriage
- Divorce
- Legal separation
- Birth of a child
- Adoption of a child
- Death
- Loss of coverage
How soon must notice be given?
Notice must be provided within 30 days of the life event.
What happens if I don't provide notice within 30 days?
You will have to wait until the annual open enrollment period (October) to make changes and the new benefits won't take effect until January 1st of the following year. If your dependent is no longer eligible for HCE's benefits, we will no longer be able to cover your dependent.
All life events can be entered through ESS (Employee self-serve). You must attach the life event documents to your request.
- Divorce - photocopy of divorce decree page showing date the divorce is final
- Marriage - photocopy of marriage certificate (not marriage license) and completed Spousal Coverage Affidavit
- Birth - photocopy of mother's copy of birth certificate
- Adoption/Legal Custody - court document showing the date the arrangement began
- Death - photocopy of death certificate
- Loss of Coverage -Certificate of Credible Coverage from the insurance company or exit letter from employer showing date COVERAGE ended (not date that employment ended).
If you have any questions regarding life events, please contact Kimberly Eames.