Changing or Canceling Your Benefits
KEHP is operated as a federally regulated, Section 125 Cafeteria Plan. In exchange for this benefit, there are only three times you can change your benefit elections during the plan year:
- During the enrollment period when you first become eligible for benefits;
- During the annual Enrollment period; or
- If you experience a life event, referred to as a Qualifying Event.
When you have a Qualifying Event
In all cases, any change in your plan option or coverage level must be consistent with the qualifying event. For most events, you must complete a Health Insurance Qualifying Event Form and submit it to your Insurance Coordinator or Human Resource Generalist within 35 calendar days of the event date. If you have a baby or adopt a child, you have 60 calendar days to add the child to your plan. If you are adding additional dependents along with the baby or adopted child, then you have 35 calendar days. You must submit dependent eligibility documentation, such as a marriage certificate or birth certificate, together with your Qualifying Event Form.
Qualifying events are complicated and, at times, difficult to understand. There are restrictions on the types of changes you may make due to federal qualifying event rules. If you do not sign and date the required form in a timely manner, you will not be permitted to revise your coverage election until the next Enrollment period.
For additional information about qualifying events, call our KRS office for the appropriate forms for your particular Qualifying Event. (502) 696-8800 or toll free (800) 928-4646.