What is a qualifying life event?
A qualifying life event, or a QLE, is designated as a change in your living situation that can make you eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside the yearly open enrollment period.
What is considered a qualifying life event?
A qualifying life event can be one of the following:
- birth of a child
- adoption of a child
- death in the family
- employee turns 26 (and loses prior coverage under parent's/guardian's plan)
- move to a new location (not always applicable depending on the new location, as most of our plans are national)
- in-voluntary loss of previous coverage
How long do I have to submit a QLE?
When you have a qualifying life event, you can make updates to your benefits coverage by submitting proof of the QLE within 31 days of the event. Otherwise, all changes must happen during your company's open enrollment period.
Keep in mind, however, that we will backdate any new coverage to the first of the month. For example, if you got married on May 15th and wanted to add your spouse to your plans, their coverage under Justworks would be effective as of May 1st.
If I do have a QLE, how do I update my plans with Justworks?
If you'd like to update your plans with Justworks, navigate to the Benefits tab in your account. You'll see the option to 'Change Benefits' from towards the top right of that page.
The next screen will have information about Qualifying Life Events, and the documentation that we'll need from you in order to process any changes.
From there, you'll be able to select which type of event you've experienced, and notify us of the plans you wish to change. We'll also let you know how long we'll have to process your changes, so it's important that you get the proper documentation to us as soon as possible.
Once you submit your change request and attach the relevant documents, you'll see a confirmation page reviewing your request. You should be on the lookout for next steps from us shortly!
If you're unsure if your event qualifies, please reach out to us at firstname.lastname@example.org.
This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.