Yes, legally separated and lost health insurance is considered a qualifying life event.
If the employee experience a qualifying life event, can take advantage of a special enrollment period to make changes to their individual health plan (change coverage from Family to Employee + child(ren)) or enrolled in benefits.
*NOTE: Divorce or legal separation without losing coverage doesn't qualify the employee for a Special Enrollment Period * (The separation have to be legally documented)
Document showing you lost coverage because of divorce, legal separation, custody agreements, or annulment , including:
- Divorce or annulment papers that show the date responsibility ends for providing health coverage or proof that you stopped getting health coverage because of your relationship to your former spouse.
- Legal separation papers that show the date responsibility ends for providing health coverage and proof of prior qualifying health coverage within the last 60 days.
- Other confirmation that you lost or will lose coverage because of divorce, legal separation, or annulment that shows the date that health coverage ends.
If the employee is already a member of a health plan and have further question can call the number in the back of the ID card to confirmed if eligible for a special enrollment qualifying event.
