Qualifying Life Events

A qualifying life event, or a QLE, is designated as a change in your living situation that can make you eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside the yearly open enrollment period.

What is considered a qualifying life event?

A qualifying life event can be one of the following:

  • marriage
  • birth of a child
  • adoption of a child
  • legal separation/ divorce
  • death in the family
  • employee turns 26 (and loses prior coverage under parent's/guardian's plan)
  • move to a new location (not always applicable depending on the new location, as most of our plans are national)
  • involuntary loss of previous coverage

How long do I have to submit a QLE?

To complete the life event process, you will need to submit documentation of your life event and make benefit elections in the portal.  New elections and supporting documentation must be completed and submitted within 30 days from the date of your Life Event. 

NOTE:  The requested changes must be consistent with the nature of the qualifying event and previous benefit election choices.  For example, adding a newborn or newly adopted child to your medical insurance plan is consistent with the birth or adoption of a child.  However, adding your partner to your dental plan would not be consistent with this event.

If I do have a QLE, how do I update my plans?

Please reach out to TCWGlobal's Benefits Team at benefits@tcwglobal.com for further instructions.