Qualifying Life Events

You are not able to make changes to your healthcare coverage during the year unless you experience a qualifying life event. To make changes due to a qualifying life event,
 you MUST contact HR within 30 days of the life event effective date
(60 days for special enrollment under Medicaid or a State children's health insurance plan). 

Documentation will be required for any life event enrollment changes. 
If changes are not submitted on time, you will have to wait until the next
open enrollment period to make updates to your plan(s).

  • Adding a Spouse (Getting Married)

    Congratulations to you and your spouse! TCU offers benefits coverage for both of you. Marriage is a qualified change in status, so you may make certain changes to your health and insurance benefits coverage.  

    • You have 30 days to change your coverage after you get married.  
    • Coverage is effective the first of the month after you notify us of the change.
    • Submit the necesary paperwork to HR after you make changes to your benefits online.
    • Update your marital status.
    • Update your personal infomation that has changed (e.g. name, address, emergency, etc.).
    • Update your beneficiary designations as applicable (e.g. life insurance, 401(k), etc.).
    • Review and update your income tax withholding choices.

    Here are some related items you may need to consider:


    • Apply for a Social Security card if you are changing your name, address, etc.
    • Consider changing your banking information should you change your name, address, etc.
    • Consider revising your beneficiary on any life insurance you may have outside of TCU.
    • Contact a legal advisor to revise your will/living will.

  • Birth or Adoption

    Congratulations to you and the newest member of your family!  Birth and adoption are qualified changes in status, so you may make certain changes to your health and insurance benefits coverage.  


    • You have 30 days to change your coverage online after the birth or adoption of a child.
    • Coverage is effective on the birth or adoption date of the child.
    • Submit the necessary paperwork to HR after enrolling your dependent.
    • Update your beneficiary designations as applicable (ex. life insurance, 401(k), etc.).
    • Review and update your income tax withholding choices.

    Here are some related items you may need to consider:


    • Apply for a Social Security card for your child, if the hospital doesn't do it for you automatically.
    • Adding your child as a beneficiary on any life insurance you maintain outside TCU.
    • Create or revise your will/living will.
    • Review your savings plan contributions.
    • Start saving for your child's college expenses.

  • Divorce/Legal Separation/Annulment of a Spouse or Dissolution of Domestic Partnership

    You will want to consider you benefit options as you prepare for this new stage in your life. Divorce is a qualified change in status, so you may make certain changes to your health insurance benefits coverage.  


    • You have 30 days to change your coverage online after the effective date of your divorce, legal separation, or annulment.
    • Coverage changes are effective the first of the month after you notify us of the change.
    • If you covered your former spouse on your healthcare benefits, they will be offered COBRA continuation coverage when their coverage ends with TCU.
    • Submit the necessary paperwork to HR after you make changes to your benefits online.
    • Manage and update your former spouse/partner information online.
    • Update your name, address, emergency contact, and any other personal information that has changed.
    • Update your beneficiary designations as applicable (e.g. life insurance, 401(k), etc.).
    • Review and update your income tax withholding choices.
    • Consider changing your direct deposit information if your banking information is changing.

    Here are some related items you may need to consider:  


    • Apply for a Social Security card if you are changing your name.
    • Consider changing your banking information should you change your name, address, etc.
    • Consider revising your beneficiary on any life insurance you maintain outside TCU.
    • Contact a legal advisor to revise your will/living will.

  • Loss of Coverage

    A loss of other healthcare coverage is a qualifying life event. If you, your spouse and/or your children become ineligible for coverage under another group health plan, you may make certain changes to your health benefits coverage.


  • Other Coverage (Gaining Eligibility Elsewhere)

    If you, your spouse, and/or your children become eligible for coverage under another group health plan, acquiring new/other coverage are qualified changes, so you may make certain changes to your health benefits coverage.

  • Overage Dependent

    Once your dependents reach the age of 26 and are not disabled, they are no longer eligible for coverage. Their coverage will end on the last day of the month in which they are turning age 26, and they will be removed from your healthcare coverage. 


    COBRA continuation coverage will be offered to them. 

  • Registering or Adding a Domestic Partner

    You may only add a "domestic partner, if both of you have filed a "Declaration of Domestic Partnership" with the California Secretary of State (see State of California, Family Code section 297). You MUST be in a registered domestic partnership to add your domestic partner to your benefits. 


    You may make certain changes to your health benefits coverage.

List of Services