A Qualifying Life Event
According to IRS rules, once you enroll in your benefits choices, your decisions remain in effect for the rest of the plan year. However, you can make certain changes during the year if you have a qualified change in family status/life event.
The following are considered changes in status or life events:
- Marriage, divorce, legal separation or annulment.
- You give birth to or legally adopt a child, you gain guardianship or a child is placed in your home for adoption.
- Your spouse/child dies.
- Your spouse begins/ends employment.
- You/your spouse experiences a change in employment status or work schedule that affects benefits (e.g. going from full-time to part-time or vice versa and taking or returning from an unpaid leave of absence).
- You/your spouse has a significant change in the amount or cost of health coverage attributable to your spouse’s employment.
- Your dependent satisfies or ceases to satisfy the eligibility requirements for the plan.
Your change in coverage level must be consistent with a change in status that affects eligibility for coverage – which means your new benefits choices must correspond with a gain or loss of eligibility for coverage. For example, if you have a baby, adding a dependent to your medical coverage would be consistent as your baby would be newly eligible.
To change your coverage, you must enroll within 30 days of the date of your status change and provide the appropriate supporting documentation. Changes made after 30 days and/or if supporting documentation is not received, the change will not be approved. You will then need to wait until the next Annual Open Enrollment period to change coverage.
How to Make/Change Elections: SmartBen, the District's online benefits system
SmartBen is a secure site at https://isd622.smartben.net and is used for New Hire Enrollment, Life Event Changes and Open Enrollment elections. It is also a resource for insurance plan summaries, information, and forms for all benefit plans such as the Vision Service Plan (VSP), Delta Dental, Life Insurance and more.
Logging into SmartBen
User Name: Social Security number (no dashes or slashes)
Example for: 123-45-6789; Enter: 123456789
Password: Birthdate (in MMDDYYYY format)
Example for: July 31, 1967; Enter: 07311967
Qualified Life Events and Documentation
Please see below a list of Qualified Life Events indicating the type of documentation that will be accepted. Contact Kecia in the Benefits Office if you are unsure if your situation is considered a Qualified Life Event or what documentation is needed. Kecia Swinarski email@example.com 651-748-7492
Birth, adoption and legal guardianship: Must be signed by a government or court official or a government-issued or legal document and include the name of the person who became a dependent and the date they became a dependent.
- Birth certificate or application for a birth certificate
- Adoption record or placement for adoption
- Legal guardianship document
- Court order or child support order
- Medical Support Order
- Foster Care papers
Marriage: Must include the name of the people who were married and the date of marriage
- Marriage license
- Marriage certificate
- Official public record of marriage
- Marriage affidavit or affidavit of support
Loss of employer-sponsored group coverage:
- Letter or document from employer stating the employer changed, dropped or will drop coverage or benefits for the employee, spouse or dependent, including the date coverage ended or will end
- Letter from health insurance company showing coverage termination date
- COBRA documentation showing length of coverage with beginning and end dates
Divorce or legal separation:
- Divorce or annulment papers including the ending of health care responsibility and proof of prior qualifying health coverage within the last 60 days
Turning 26 and aging off a parent's plan:
- No documentation is required for this event as the employee's date of birth is sufficient proof
Death of policyholder
- Death certificate or public notice of death and proof of prior qualifying health coverage within the last 60 days
Loss of Medicaid
- Documentation from Minnesota Department of Human Services indicating the reason for loss and when coverage ended or will end
- Letter from Medicaid or Children's Health Insurance Plan (CHIP) stating when coverage ended or will end
- Letter from school stating when student health coverage ended or will end
- Dated copy of military discharge papers or Certificate of Release including the date coverage ended or will end due to no longer active military service
- Letter or notice from government program, like TRICARE, Peace Corps, AmeriCorps, or Medicare stating when coverage ended or will end
- Documentation from the Health Insurance Marketplace or state-based exchange showing determination of eligibility and date for the following events:
- Newly eligible for Advanced Premium Tax Credit
- Materials violation of the plan contract
- Unintentional, inadvertent or erroneous enrollment
- Decertified or plan discontinuance letter
- Spouse Open Enrollment held an annual Open Enrollment at a different time than ISD 622
- Copy of the Open Enrollment Notice with dates