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What is a Qualifying Life Event?

A Qualifying Life Event is an event defined by the Internal Revenue Service in Section 125 that allows you to modify your health & wellness elections. See examples below of Qualifying Life Events:

  • Termination of current health insurance policy
  • Change in your legal marital status (i.e., marriage, legal separation, divorce, or death of your spouse)
  • Change in your number of tax dependents
  • Birth of a child or date you adopt a child, or placement for adoption
  • Death of a dependent
  • Change in your dependent's eligibility (for example, your child reaches age 13 where he/she is no longer eligible under a DCAP)
  • Change in child care/elder care provider or cost or coverage, such as a significant cost increase charged by your current daycare provider, or a change in your daycare provider. This applies to a DCAP only. It does NOT apply to a MCAP.
  • Change in employment status (for employee, spouse, or employees dependent) that affects eligibility for health insurance benefits