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

How do I enroll in or change my benefits during my contract? What is a qualifying life event (QLE)?
Qualifying Life Event

Due to IRS guidelines, you cannot make changes to your health insurance benefits outside of your employer's annual open enrollment period unless you experience a qualifying life event (QLE). A QLE makes you eligible for a special enrollment period.
You have 30 days from the date of your qualifying event to submit your requested change in ADP (see below) and you will be asked to include:
1. Supporting documents.
2. The date the change occurred.
Outside of a special enrollment period, the only opportunity you have to make a change is during our annual open enrollment.

The only exception to this rule is if you are still within 30 days of your assignment start date and you were eligible for a new hire enrollment event as a result of starting this assignment. In that case, you can make any changes to your benefits enrollments by logging into ADP and navigating to Myself > Benefits > Enrollments.

QLE Effective Date
The effective start date of your QLE enrollment becomes the QLE date. (i.e. If you get married on July 5, your change/enrollment is effective July 5th.)

Types of QLEs
You can view a full list of the different types of QLEs at HealthCare.gov.

Required Documents
Below are examples of qualifying life events and supporting documents. All documents must include the QLE date.

Trusted only requires documentation for mid-year events (i.e. QLE special enrollment period)

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 carrier Documentation from parent's employer on company letterhead
Death	Death in 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 change and impact on eligibility
Spouse/DP Leave of Absence	Add Spouse/Domestic Partner Coverage	Employer documentation on company letterhead stating 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 residence change affects 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.

If you run into any issues submitting in ADP or have questions, please reach out to your Care Team for assistance by sending a new message in Inbox:

Qualifying Life Event

QLE Effective Date

Types of QLEs

Required Documents

Submitting a QLE Request in ADP