Qualifying Events

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The decisions you make with regard to your health care benefits, life, and disability coverage remain in effect throughout the year. However, as events occur in your life, your benefits needs may also change. If you experience a “life event” you can make certain changes to these benefits. The chart below lists the instances in which you can change these benefits, and the specific IRS-defined qualifying change in status. Some benefits may have more stringent restrictions regarding changes. 

Important Note: You only have 30 days from the date of the life event to make a change. Changes will require you to provide appropriate documentation as applicable (e.g. birth certificate, marriage license, divorce papers, etc). To make changes, please contact HR@homeownersfg.com. 

APPLICABLE SITUATIONS FOR A QUALIFYING CHANGE

Adding a Dependent

• Marriage
• Birth or adoption of a child
• Receipt of a qualified medical child support order requiring that coverage for a dependent child is provided

Removing a Dependent

• Divorce (including annulment)
• Death of a spouse or child
• A dependent child reaching max age of coverage

Change in Healthcare Coverage

• You or your spouse or dependent child becomes entitled to Medicare or Medicaid
• A change in employment status (yours or your spouse’s) that results in a loss or (gain) of coverage
• You, your spouse or dependent child become eligible for other health care coverage
• A significant change in contributions under your spouse’s employer’s plan as defined by the plan administrator
• A change in benefit elections by your spouse during his or her employer’s annual open enrollment (held at a different time other than HFG’s open enrollment)

Other Events

• Moving , which results in you no longer living in an area where your elected medical plan is available
• A dependent moving to the U.S. from another country