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 |
|
Divorce/Legal Separation | Divorce/Legal Separation |
|
Adding a Dependent (Child) | Add New Child |
|
Adoption | Adoption |
|
Child Loss of Other Coverage | Child Gains Eligibility |
|
Death | Death in the Family |
|
Employee Loss of Other Coverage | Add Employee Coverage |
|
Spouse/DP Loss of Employment | Add Spouse/Domestic Partner Coverage |
|
Spouse/DP Change in Worksite | Add Spouse/Domestic Partner Coverage |
|
Spouse/DP Leave of Absence | Add Spouse/Domestic Partner Coverage |
|
Employee Gain of Other Coverage | Drop Employee Coverage |
|
Spouse/DP Start of Employment or Gain Other Coverage | Drop Spouse/Domestic Partner Coverage |
|
Place of Residence | Add Employee Coverage |
|
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.