What are Qualifying Life Events (QLEs)?

Qualifying life events are occasions that allow employees to enroll in or make changes to existing insurance outside of their annual open enrollment. Proving It Carriers will ask for proof of QLEs when an employee submits an application outside of their company’s open enrollment. For QLEs such as marriage, or childbirth, the employee needs to […]

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2018 HSA contribution limit

Qualifying life events are occasions that allow employees to enroll in or make changes to existing insurance outside of their annual open enrollment.

Proving It

Carriers will ask for proof of QLEs when an employee submits an application outside of their company’s open enrollment.
For QLEs such as marriage, or childbirth, the employee needs to show a marriage or birth certificate, or some official, dated proof that the event occurred.

Open Enrollment Opportunity

Qualifying life events act like a doorway to an open enrollment opportunity for the whole family. For example:
If an employee that isn’t enrolled in benefits has a baby, the employee can enroll themselves, their spouse, and all eligible dependents as well.
Eligible dependents can take advantage of a QLE to modify or elect new coverage.
Employees can also cancel their plan coverage if a QLE occurs.

Final Note

For QLEs that concern a loss of coverage, the effective date for coverage will be backdated to the date of the official coverage cancellation with the carrier.

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