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Home > About Your Benefits > Changes at Other Times
Qualifying Life Events
You may only change your election during open enrollment unless you have a qualifying life event.
A qualifying life event includes:
- marriage, legal separation, annulment, or divorce
- the death of your spouse or child
- the birth or adoption (or placement for adoption) of your child
- the loss or gain of benefit eligibility of your child
- the termination or commencement of employment of you or your spouse or child
- a reduction or increase in hours of employment of you or your spouse or child, including a switch between part-time and full-time, a strike or lockout, or commencement of or return from unpaid leave of absence
- a change in health coverage due to your spouse’s employment
- a "special enrollment period" under the group health plan as required by law
- a qualified medical child support order that requires your child to be covered under the group medical and/or dental plan
- you or your spouse or child becomes eligible (or loses eligibility) for Medicare or Medicaid
or
- involuntary loss of other group health plan coverage.
Here are a few examples of election changes that are consistent with a qualifying life event:
| With This Event |
You Can Make These Changes |
|---|
| You have a qualifying life event, such as:
|
Medical Plan
Major Medical Medicare
Supplement Plan
Dental Plan
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If you were previously enrolled for coverage, you can add dependents (consistent with the family status change and subject to age limits of each plan) or drop coverage or dependents
|
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You experience a loss of other employer-provided medical or dental coverage |
Medical Plan
Major Medical Medicare
Supplement Plan
Dental Plan
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Add coverage by providing proof of the coverage loss within 30 days of the loss |
| You move outside a point-of-service network |
Medical Plan |
Change coverage to the CIGNA Indemnity Plan |
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Last updated: Thursday April 21 2005
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