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 contact the Office of Payroll & Benefits at (434) 515-5089 or email [email protected]. Changes to benefits are time-sensitive, and the appropriate documentation must be submitted within the specified timeframe of the life event. To view the list of acceptable required documents, click here for additional information on Dependent Eligibility.

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, and the effective date will be January 1 of the next year.

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 Office of Payroll & Benefits at (434) 515-5089 or email [email protected].