Qualifying Life Events

Major Life Events that may occur during your Employment with LCS that Allow you to Make Changes to your Benefits

A qualifying life event is a change in your life that can make you eligible for a special enrollment period to enroll in benefits outside the open enrollment period during the year. Qualifying events must be made within 31 days from the date of the change and you must complete the Employee Benefits Enrollment/Change Form. Changes to benefits are time-sensitive, and the appropriate paperwork must be completed within the specified timeframe of the life event. To requested change must be consistent with the qualifying event. To view the list of acceptable required documents, view the Click here for additional information on Dependent Eligibility. A change in Medicaid/CHIP eligibility allows up to 60 days to change your benefits with proper documentation.

If you wish to make changes to your benefits, but have not experienced a qualifying life event, you may request the changes during the annual Open Enrollment period, with an effective date of January 1.

 

Life Event   Timeframe to Submit Documentation   Effective Date   Documentation Required

Birth/Adoption/Legal Guardianship/Custody:

May cancel coverage or add coverage and dependents

 

Within 31 calendar days of the birth, adoption, or gaining legal guardianship

 

 Date of birth/date of adoption/date placed for adoption/ date of legal guardianship/custody

 

Birth: Photocopy of the letter of live birth/proof of birth letter.

Adoption: Photocopy of the Final Adoption Decree, an Interlocutory Decree of Adoption with the presiding judge's signature and seal or a photocopy of the child's birth certificate showing the employee as the adopting parent

Legal Guardianship/Custody: Photocopy of the final court order or order of custody with the presiding judge's signature and date.

Change in Employment Status

LCS employee that becomes eligible to enroll in benefits due to a change in hours or change in position:

May enroll in coverage

 

Within 31 calendar days of your adjusted hire date

 

 1st of the following month following the qualifying event

 

Supporting documents based on the dependent(s) being enrolled. See Dependent Eligibility chart.

Dependent reaching age 26:

Must remove dependent from plan

 

Within 30 calendar days of the qualifying event

 

 1st of the following month following the qualifying event

 

Supporting documents based on the dependent(s) being enrolled. See Dependent Eligibility chart.

Marriage:

May cancel coverage or add coverage and dependents

 

Within 31 calendar days of the date of marriage

 

1st of the following month following the qualifying event

 

Photocopy of the marriage certificate, and

Photocopy of the front page of the employee’s most recent federal tax return* that includes the employee’s spouse (you may remove all financial information); Professional tax return cover sheet may be accepted, if all required information is included.

Newly hired to LCS in a full-time or part-time authorized position:

May enroll in coverage

 

Within 31 calendar days of your hire date

 

 1st of the month following your contract start date

 

Supporting documents based on the dependent(s) being enrolled. See Dependent Eligibility chart.

Death of a covered Dependent

 

Within 31 calendar days of the death

 

 The day of the

death

 

 

Photocopy of the death certificate

Divorce:

May enroll in coverage or remove spouse/stepchildren

 

Within 31 calendar days of the finalized divorce

 

 1st of the following month following the qualifying event

 

Photocopy of the divorce decree (the first page and signature page)

Gain or Loss of Health Coverage of existing health coverage, including job-based, individual, and student plans:

May enroll or cancel coverage

 

Within 31 calendar days of the qualifying event

 

The date the  qualifying event occurred

 

Supporting documents based on the dependent(s) being enrolled. See Dependent Eligibility chart.

Gain or Loss of Medicare, Medicaid, or CHIP eligibility:

May enroll or cancel coverage

 

Within 60 calendar days of the qualifying event

 

 The date the  qualifying event occurred

 

Supporting documents based on the dependent(s) being enrolled. See Dependent Eligibility chart.

If you think you might be experiencing a Qualifying Life Event that is not listed in the chart above, please contact the Benefits Department at (434) 515-5089 or email benefitsdepartment@lcsedu.net.