Making Benefits Changes
Learn how qualifying life events and employment status changes affect your benefit coverage.
A qualifying life event is a major event, such as getting married or welcoming a new child, that allows you to make changes to your benefits outside the annual enrollment period.
Common life events include:
- A change in your legal marital status (marriage, divorce or legal separation)
- A change in the number of your dependents (for example, through birth or adoption, or if a child is no longer an eligible dependent)
- A change in your spouse’s employment status (resulting in a loss or gain of coverage)
- A change in your employment status resulting in a gain or loss of eligibility
- Entitlement to Medicare or Medicaid
- Eligibility for coverage through the Healthcare Marketplace
- Changes in your address or location that may affect the coverage for which you are eligible
You have 30 days to make changes
You have 30 days from the date of the event to request changes to your coverage in Employee Navigator . Keep in mind your change in coverage must be consistent with your change in status.
When changes go into effect
| Event | Coverage | When it starts or ends |
|---|---|---|
| Gain benefits eligibility | Medical, dental, vision and Hartford plans | First of the month following the status change |
| Lose benefits eligibility | Medical, dental and vision | End of the month following the status change |
| Lose benefits eligibility | Hartford plans | Last day of the status change |
| Qualifying life event | Medical, dental, vision and Hartford plans | Date of the qualifying life event |
| Employment ends | Medical, dental and vision | End of the month of your last day of employment |
| Employment ends | Hartford plans | Last day of employment |
Hartford plans include Life and AD&D, disability, and Accident, Critical Illness and Hospital Indemnity insurance.
Required documentation
- Marriage: Copy of marriage certificate
- Divorce / legal separation: Copy of divorce decree
- Death: Copy of death certificate
- Birth or adoption: Copy of birth certificate or legal adoption papers
- Stepchild: Copy of birth certificate plus a copy of the marriage certificate between employee and spouse
- Change in eligibility due to hours: Notification of increase or reduction of hours that changes coverage status
- Spouse employment / benefit change: Notification of spouse’s employment status that results in a loss or gain of coverage
Your Contacts
Alliant Benefit Advocates
Enrollment and eligibility questions
877-531-8820