Qualifying Life Events and Benefits Changes

Qualifying Life Events (QLE)

Outside of the annual open enrollment period, you can only make changes to your benefits if you experience a Qualifying Life Event.

What is a Qualifying Life Event?

A QLE is a major life change that allows you to enroll in, change, or cancel benefits outside the normal enrollment period.

Common Qualifying Life Events

Family Status Changes

• Marriage or domestic partnership
• Divorce or legal separation
• Birth or adoption of a child
• Death of spouse or dependent
• Child gaining or losing dependent status

Employment Changes

• Change from part-time to full-time (or vice versa)
• Spouse gains or loses employer coverage
• Unpaid leave of absence (FMLA, personal)
• Return from leave of absence

Coverage Changes

• Loss of coverage from another source
• Becoming eligible for Medicare or Medicaid
• Change in residence (different state/coverage area)

Cost or Coverage Changes

• Significant cost increase in coverage
• Loss of provider network
• Plan changes by employer

How to Report a Qualifying Life Event

1. Log into UKG within 30 days of the life event
2. Navigate to Benefits: Click 'Benefits' > 'Change Benefits'
3. Select Life Event: Choose the type of event that occurred
4. Enter Event Date: Provide the exact date the event occurred
5. Upload Documentation: Attach required supporting documents
6. Make Changes: Enroll, change, or cancel benefits as needed
7. Review and Submit: Confirm changes and submit

Required Documentation

You must provide proof of the qualifying event:

• Marriage: Marriage certificate
• Divorce: Divorce decree or legal separation papers
• Birth: Birth certificate or hospital record
• Adoption: Adoption papers or placement documents
• Death: Death certificate
• Loss of Coverage: Termination letter from previous insurer
• Medicare: Medicare card

Time Limits

• Reporting Deadline: 30 days from date of event
• Coverage Effective Date: Typically the date of the event
• Late Submissions: After 30 days, you must wait until next open enrollment

What Changes Can You Make?

Changes must be consistent with the qualifying event:

Marriage/Birth/Adoption

• Add spouse or child to coverage
• Enroll in new coverage if previously waived
• Change to family coverage tier
• Enroll in dependent care FSA

Divorce/Legal Separation

• Remove spouse from coverage
• Change to employee-only or employee+child coverage
• Modify FSA contributions

Loss of Coverage

• Enroll in any available plan
• Add affected dependents
• Increase coverage level

Special Considerations

Newborns

• Automatically covered for first 31 days after birth
• Must add to your plan within 30 days for continued coverage
• Mother's coverage used for delivery

Adoption

• Coverage begins date of placement
• Include legal adoption documents
• May be eligible for adoption assistance benefits

Medicare

• Notify BetterHealth when you or spouse enrolls in Medicare
• Medicare becomes primary coverage (age 65+)
• BetterHealth plan becomes secondary
• May change or drop BetterHealth coverage

Questions or Issues?

Contact the Benefits team if you:

• Miss the 30-day deadline (exceptions may apply)
• Are unsure if your situation qualifies
• Need help with documentation
• Have technical issues submitting

Benefits Team Contact:

• Email: [e-mail]
• Phone: [phone] ext. 3000
• Hours: Monday-Friday, 8 AM - 6 PM EST