QUALIFYING LIFE EVENTS
After your new hire enrollment period has expired, you cannot enroll in or make changes to your benefit elections until the next annual Open Enrollment period unless you experience a Qualifying Life Event, as defined by the IRS, such as:
• Marriage, divorce, or legal separation • Birth, adoption or placement of adoption of an eligible child • Death of your spouse or child • Gain or loss of coverage with your spouse’s employer as a result of an employment event • Change in your child’s eligibility • Becoming eligible for Medicare or Medicaid • Receipt of a Qualified Medical Child Support Order (QMCSO) • Significant change in cost or coverage in your spouse’s or child’s health insurance plan • Gain or loss of benefits eligibility, such as a transition from Full Time to Part Time or Part Time to Full Time
Changes made on account of a qualifying life event must be consistent with the event. You have 30 days from the date of a qualifying life event to notify the Benefits department and make changes to your benefit elections in Workday. Benefit elections made following a qualifying life event will become effective on the date of the event (such as the date of marriage or birth), in most situations. For questions or additional information, contact the Benefits department at 1.877.277.2327, send an email to Benefits@maac.com or submit a support ticket through MAA’s Support Portal using the Benefits—General category.
Notice of Special Enrollment Rights If you are declining coverage for yourself and/or your eligible dependent(s) during the initial or a subsequent annual enrollment period because of other health coverage (such as COBRA coverage or coverage under another health plan), you may be able to enroll yourself and your eligible dependent(s) in MAA’s medical coverage if you or your dependents lose eligibility for such other coverage (such as due to the end of the maximum COBRA period, ceasing to meet the eligibility requirements, or as otherwise required by law) or if employer contributions toward that other coverage cease. However, you must request enrollment within 30 days after loss of other coverage. If the other coverage ends voluntarily, such as due to failure to pay the required premiums, there is no right to special enrollment. In addition, if you or your dependent (1) becomes eligible for state-granted premium assistance or (2) lose health coverage under Medicaid or State Children’s Health Insurance Plan (known as CHIP), you will have a special enrollment right under MAA’s group medical plan. To enroll, you must request coverage within 60 days of either of these two events.
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