Group of SBUS advisors

Qualifying Life Event

A Qualifying Life Event is a change that can make you eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside the yearly Open Enrollment Period.


The following events are considered Qualifying Life Events. You have 60 days from the date of event to make any changes:

  • Marriage, divorce or legal separation

  • Birth of child, adoption, or placement of adoption of a child

  • Death of spouse, dependent child or qualified domestic partner

  • Gain or loss of spouse’s employment or coverage

  • Loss of eligibility of covered dependent

How to Apply for Changes to Coverage

If you experience any of these qualifying events, you must provide the required supporting documentation and make changes within 30 days of the event.

  1. Login to
  2. Click on the ‘Change My Benefits’ button to make election changes or update your basic information.
  3. Select the life event button and the event you wish to file. Then, follow the same election steps above to complete your life-changing event.