This article is about Justworks PEO. What product am I using?
| Qualifying Life Event | Desired Change | Eligible changes for FSA/DCFSA | Documentation Required to make change |
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Birth of Child |
Enroll in or change coverage for myself and/or any new dependents | Enroll in or increase FSA/DCFSA |
A birth certificate, a hospital record of birth, or a certificate of live birth that you’ll need to change your health insurance plans. All of these can be acquired from the hospital where your child was born. |
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Adoption of Child |
Enroll in or change coverage for myself and/or any new dependents | Enroll in or increase FSA/DCFSA |
Welcoming a new addition to the family? Have your adoption or guardian papers that establish your parental rights of the child ready to change your coverage. |
| Marriage | Enroll in coverage for myself, my spouse, and/or any new dependents | Enroll in or increase FSA/DCFSA deferrals |
Congratulations newlyweds! You’ll need your marriage certificate from the city clerk’s office to make a change. Remember, this is not your marriage license and can only be obtained after you say, “I do.” |
| Marriage | Drop coverage for myself and/or any dependents | Decrease DCFSA* |
Switching to your spouse’s insurance? In addition to your marriage certificate, you’ll need proof of coverage from your new insurance carrier with the start date of your coverage. If you’re dropping dependents from your current plan, you’ll need this letter for each one that is being dropped. |
| Divorce |
+Enroll in coverage for myself -Or- +Add dependents to coverage |
Enroll in or increase FSA/DCFSA deferrals |
To make these insurance changes you’ll need a divorce decree obtained from the city clerk’s office, as well as a letter of cancellation from your previous carrier with the last date of coverage. Each person that is affected should have their own letter of cancellation. |
| Divorce | Drop spouse from coverage | Decrease FSA/DCFSA* |
If you would like to drop your spouse from your coverage, submit a divorce decree obtained from the city clerk’s office. |
| Divorce | Drop spouse and dependents from coverage | Decrease FSA/DCFSA* |
In addition to a divorce decree from the city clerk’s office, you’ll need to provide proof of coverage for each dependent you’re dropping. This letter from their new carrier should include the start date of their plan. |
| Domestic partnership | Enroll in or change coverage for myself, my partner, and/or any new dependents | Enroll in or increase FSA/DCFSA |
Congratulations! If you have a domestic partnership state certificate, then that’s all you need to make a change to your insurance. If you don’t have this certificate, you’ll need to fill out Justwork’s domestic partnership affidavit and submit three of the following documents:
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| Domestic partnership | Drop coverage for myself and/or any dependents | Decrease DCFSA* |
Changing coverage to your partner’s? You’ll need a domestic partnership certificate, as well as proof of coverage with your plan’s start date from your new insurance carrier. A separate letter must be provided for each dependent that is dropping coverage from your current plan. If you do not have a domestic partnership certificate, you’ll need to provide 3 of the documents listed above, Justwork’s domestic partnership affidavit, and proof of coverage. |
| End of Domestic Partnership | Enroll in or change coverage for myself, my partner, and/or any dependents | Enroll in or increase FSA/DCFSA | To make changes to your coverage for this reason, you’ll need to obtain a declaration of termination of domestic partnership, which can be obtained from the city clerk’s office. You’ll also need a letter of cancellation from the previous carrier with the last date of coverage. A separate letter must be provided for each person who will be affected by this change. |
| End of Domestic Partnership | Drop partner from coverage | Decrease FSA/DCFSA* | If you would like to drop your partner from your plan, submit a declaration of termination of domestic partnership. |
| End of Domestic Partnership | Drop partner and/or any dependents from coverage | Decrease FSA/DCFSA* | If you’d like to drop your partner or any dependents from your coverage, you’ll need to obtain a declaration of termination of domestic partnership. For any dependents that are being dropped, provide a letter of proof of coverage from their new insurance carrier with the start date of their plan. A separate letter must be provided for each dependent who will be affected by this change. |
| I or my dependent obtained alternate coverage | Drop coverage for myself and/or any dependents | Decrease FSA/DCFSA* | Leaving a plan? All you need is proof of coverage from the new insurance carrier with the start date of coverage. Each person who is being dropped should have separate proof of coverage. |
| I or my dependent lost insurance coverage | Add coverage for myself and/or any dependents | Enroll in or increase FSA/DCFSA | Need a plan? Provide a letter of cancellation from the previous carrier with the last date of coverage for each person that needs coverage. |
| Change in dependent care cost or coverage | No change available | Enroll, increase, or decrease DCFSA | Documentation from the dependent care provider confirming the change is required. |
*if you experience an applicable qualifying life event and would like to decrease or stop your FSA or DCFSA contributions, you will not be able to lower your election below the amount you have already contributed or used in your account.
Disclaimer
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.