You or Your Dependent Involuntarily Lose Eligibility or All Employer Contribution for Other Group Medical Coverage

For All Programs

This Life Events Guide page has two sections - active employees and retirees and survivors. Please refer to the appropriate page section for information based on your employment status.

The end of COBRA continuation coverage is a qualifying life event for health insurance, however, loss due to nonpayment of premiums is not. The end of COBRA continuation coverage is not a life event for the supplemental benefits if a retiree chooses COBRA continuation coverage instead of retiree coverage at time of retirement.

In the table(s) below, supplemental benefits refer to supplemental dental insurance (Select, Select Plus, and Preventive), vision insurance, and Accident Plan. You may not be eligible for all supplemental benefits. Visit the Dental Insurance, Vision Insurance, and Accident Plan pages to learn about eligibility.

For Active Employees

	Health Insurance & Uniform Dental	Supplemental Benefits
Enrollment opportunity?	Yes	Yes
Change coverage from individual to family?	Yes	Yes
Change coverage from family to individual?	Yes	Yes
Change health plan?	Yes	n/a
Drop a dependent and keep family coverage?	No	No
Cancel coverage?	No	No
Deadline to submit changes	Within 30 days of the event	Within 30 days of the event
How to submit changes	Log in to My Benefits to edit your benefits: Select "Loss of other coverage" as your reason for change. Enter the date the person was last covered on the plan. Enroll in or change your coverage level. Upload required documentation to show loss of coverage and to verify any added dependents are eligible for coverage. Once you've made changes in My Benefits, reach out to your employer if you'd like to switch health plans.	Log in to My Benefits to edit your benefits: Select "Loss of other coverage" as your reason for change. Enter the date the person was last covered on the plan. Update your benefits. Upload required documentation to show loss of coverage and to verify any added dependents are eligible for coverage.
Documentation required?	Yes	Yes
Effective date	Coverage change becomes effective on the date the other coverage terminates except for a change of health plan. If the notice you receive is provided to you late, coverage will be effective the first of the month following the date of the notice Health plan changes are effective the first of the month on or after receipt of application	Coverage becomes effective on the date the other coverage terminates

For Retirees and Survivors

	Health Insurance & Uniform Dental	Supplemental Benefits
Enrollment opportunity?	No, unless you are a state retiree or survivor with escrowed sick leave and are losing other medical coverage as a dependent. For more information , see Enrolling for Coverage FAQs Question: Can I delay or initiate use of sick leave credits after I retire?	Yes
Change coverage from individual to family?	Yes	Yes
Change coverage from family to individual?	Yes	Yes
Change health plan?	Yes	n/a
Drop a dependent and keep family coverage?	No	No
Cancel coverage?	Yes	No
Deadline to submit changes	Within 30 days of the event	Within 30 days of the event
How to submit changes	Submit the Health Insurance Application/Change for Retirees (ET-2331) with required documentation to ETF. You will need to provide proof of loss of coverage and documentation to verify the eligibility of any added dependents for coverage.	Submit the Supplemental Insurance Application/Change (ET-2339) with required documentation to ETF. You will need to provide proof of loss of coverage and documentation to verify the eligibility of any added dependents for coverage.
Documentation required?	Yes	Yes
Effective date	Change to family coverage becomes effective on the date the other coverage terminates. If the notice you receive is provided to you late, coverage will be effective the first of the month following the date of the notice Change to individual coverage or health plan changes are effective the first of the month on or after receipt of application Canceling coverage: Effective the last day of the month following receipt of the application	Coverage becomes effective on the date the other coverage terminates