WHEN YOU CAN CHANGE YOUR BENEFITS
You may change your benefit elections under the following conditions:
- Open Enrollment - annually in the fall
- Qualified Life Event (QLE) - within the specified time period listed below
- The changes you can make are dependent on the type of QLE. See the QLE and Mid-Year Changes Chart for full details.
- Deadline: All forms and required documentation must be submitted within 31 days of the QLE, as outlined below under How to Change Benefits for a Qualified Life Event (QLE).
- If you have not experienced a QLE as defined below, you must wait until the next annual open enrollment period to make changes.
QUALIFIED LIFE EVENT (QLE) DEFINITIONS
Qualified Life Events (QLEs) include but are not limited to the following:
- Marital status: marriage, divorce, legal separation, annulment, death of a spouse
- Dependent status: birth, adoption, placement for adoption, death, marriage or dependent eligibility due to age
- Eligibility status: becoming eligible for Medicare
- Residence status: resulting in different plan options available
- Employment status or work schedule: affecting benefit eligibility for you, your spouse, and/or dependent. Can include:
- LWOP - leave without pay
- Return to Work Retirees - see the information listed below.
- Additional QLEs - see the QLE and Mid-Year Changes Chart for a full list.
SUPPORTING DOCUMENTATION REQUIREMENTS
- Supporting documentation must be provided when adding/removing a spouse or dependent.
- Deadline: All forms and required documentation must be submitted within 31 days, or loss of enrollment will result.
- See the QLE and Mid-Year Changes Chart for the documents required.
DUPLICATE/DUAL COVERAGE RULES - BOTH SPOUSES STATE EMPLOYEES
Duplicate or dual enrollment in State plans is prohibited and will be terminated with no refunds for the premiums paid. For spouses who are State and/or a State University employees and/or retirees, these rules apply:
- You cannot enroll each other as dependents, nor have your children enrolled twice.
- One spouse may elect coverage for the entire family, or each spouse may elect their own individual coverage.
- Dependent children can be on one spouse's policy or divided between spouses.
- If your child is a State and/or State University employee, he/she cannot be enrolled as a single subscriber in a State plan and as a dependent on your policy.
- You cannot enroll simultaneously as a single subscriber in the retiree medical, dental, and/or vision plans for the Arizona Department of Administration (ADOA) AND the Arizona State Retirement System (ASRS).