How do I enroll in or change my benefits during my contract? What is a qualifying life event (QLE)? | Trusted Health

Qualifying Life Events (QLEs) and Special Enrollment

Due to IRS regulations, you cannot make changes to your health insurance benefits outside of Trusted’s annual open enrollment period unless you experience a Qualifying Life Event (QLE). A QLE gives you access to a special 30-day enrollment window to make changes to your benefits.

How to Submit a QLE in ADP

You have 30 days from the date of the event to submit your benefit changes in ADP. To do so, log into ADP and navigate to:
Myself > Benefits > Enrollment > Report a Life Change

You’ll need to provide:

The date the life event occurred
Supporting documentation showing the QLE date

📌 Trusted only requires documentation for mid-year changes (QLEs).

QLE Effective Date

Your new benefits or changes will be effective as of the QLE date.

For example, If you get married on July 5, your updated benefits will take effect July 5.

New Hire Exception

If you are still within 30 days of your assignment start date and eligible for a new hire enrollment, you can make any changes to your benefits in ADP by going to:
Myself > Benefits > Enrollments

No QLE is required in this case.

Full List of QLEs

For a comprehensive list of eligible events, visit: at HealthCare.gov.

Required Documents

Below are common qualifying life events (QLEs) and the types of documentation you’ll need to provide.

All documents must include the date the event occurred (QLE date).

📌 Note: Trusted only requires documentation for mid-year changes (QLE special enrollment periods). Documentation is not required during open enrollment or new hire enrollment windows.

QLE Type	ADP Life Event	Acceptable Supporting Document Examples
Legal Marriage/Domestic Partnership (DP) Status	Marriage	Marriage Certificate Marriage License Partnership affidavit Municipal domestic partnership registration State domestic partnership registration State civil union license
Divorce/Legal Separation	Divorce/Legal Separation	Divorce Decree Dissolution of Marriage/Partnership Legal Separation Agreement/Decree
Adding a Dependent (Child)	Add New Child	Birth Certificate
Adoption	Adoption	Adoption Court Order Paperwork
Child Loss of Other Coverage	Child Gains Eligibility	COBRA letter Documentation from the carrier Documentation from parents' employer on company letterhead
Death	Death in the Family	Death certificate
Employee Loss of Other Coverage	Add Employee Coverage	COBRA letter Employer documentation on letterhead Carrier documentation
Spouse/DP Loss of Employment	Add Spouse/Domestic Partner Coverage	COBRA letter Termination documents on company letterhead Unemployment application
Spouse/DP Change in Worksite	Add Spouse/Domestic Partner Coverage	Employer documentation on company letterhead showing the change and impact on eligibility
Spouse/DP Leave of Absence	Add Spouse/Domestic Partner Coverage	Employer documentation on company letterhead stating the employee has begun or returned from leave
Employee Gain of Other Coverage	Drop Employee Coverage	Employer documentation on letterhead, including new coverage effective dates Carrier documentation, including coverage effective dates
Spouse/DP Start of Employment or Gain Other Coverage	Drop Spouse/Domestic Partner Coverage	Employer documentation on letterhead, including new coverage effective dates Carrier documentation, including coverage effective dates
Place of Residence	Add Employee Coverage	Employer documentation on company letterhead on how a residence change affects the employee (ie, availability of different health plans).

Submitting a QLE Request in ADP

Navigate to Myself > Benefits > Enrollment > Report a Life Change
Pick the most appropriate QLE Type for your event & select if dependents need to be added.
Confirm that your dependent information is correct (if applicable) and select Continue to Enrollments to select your plans.
Choose your plans and coverage level (i.e. you or yourself + spouse).
Upload your supporting documents which include the QLE date, and click save
Review the summary and ensure everything looks correct, select submit enrollment
You’ll see a confirmation notice after you’ve successfully submitted it. The HR team will review your documents/submissions and approve them within 1 business day.