LOC qualifying event

[Guest Greta]

An employee is currently on her spouse's insurance in which he can drop her at any time for any reason (ie no qualifying event). She would like to do this and sign up for our coverage (not open enrollment).

If I remember correctly, an LOC under a spouse's coverage is a qualifying event to add her - no matter what the reason she dropped from his coverage. Is this correct? I've been out of the benefits loop for while and getting a little rusty!

Thanks, Greta

[papogi]

You might not have a problem under 125, but does your underlying health plan itself allow someone to come on the plan in a circumstance like this? HIPAA will not provide any help here for your employee, as a voluntary drop of coverage does not trigger a Special Enrollment Period.