HR Fast Facts: Why Do Employees Need to Provide Proof of a Qualifying Live Event?

When enrolling in health insurance coverage due to a qualifying life event (QLE), documentation is needed to prove the date of the QLE. Proof documents are official documents directly related to the event.

For example:

For example:

• Date of loss of coverage
• Marriage date
• Date of birth

If you have questions on what is considered acceptable documentation, contact your broker.

Example of an acceptable document

The Certificate of Creditable Coverage (COCC) below is a good example of a loss of coverage document because it has the official insurance carrier logo at the top of the page and includes the name of the member to whom it applies as well as the coverage effective date and cancellation date.

Example of an unacceptable document

The document below is a medical insurance card and would not be accepted as it does not include the coverage effective date or cancellation date.

Inadmissible example document #2

The image below is a bad example of a loss of coverage document as none of the information is legible.

This communication is for informational purposes only; it is not legal, tax or accounting advice; and is not an offer to sell, buy or procure insurance.

This post may contain hyperlinks to websites operated by parties other than TriNet. Such hyperlinks are provided for reference only. TriNet does not control such web sites and is not responsible for their content. Inclusion of such hyperlinks on TriNet.com does not necessarily imply any endorsement of the material on such websites or association with their operators.