A Qualifying Life Event (QLE) is a significant change in life circumstances - such as marriage, birth of a child, or relocation - that enables you to modify your health insurance coverage outside of the normal enrolment period.
In this article
How to Submit a Qualifying Life Event
To submit a Qualifying Life Event please upload the required documentation to the Documents tab.
- Navigate to Workspace in the Navigation Bar and select Documents
- Scroll to Optional Documents
- Select QLE and click Start
- Upload your QLE Document
You must notify Deel within 30 days of any Qualifying Life Event in order to be eligible to modify your Health Insurance coverage.
What happens next
Deel's HR Team will review your supporting documentation and contact you directly to facilitate benefits enrolment on the Deel platform.
Eligible QLEs and Required Documentation
[ACCORDION] Change in Maital Status
| Event | Required Documentation |
| Marriage | Marriage Certificate |
| Divorce or Annulment | Divorce Decree or Court Ruling for Annulment |
| Legal Separation | Court Order verifying the legal separation |
| Death of a spouse | Death Certification |
[ACCORDION] Change in Number of Dependents
| Event | Required Documentation |
| Birth | Birth Certificate |
| Death | Death Certificate |
| Adoption or Placement for Adoption | Court Order for Adoption or Placement for Adoption |
[ACCORDION] Gain or Loss of Eligibility for Other Group Coverage (HIPAA Special Enrolment)
| Event | Required Documentation |
| Group Health Plan (including spouse and/or child's plan) | Documentation from plan or issuer regarding change in eligibility and the effective date of such change |
[ACCORDION] Change in Employment Status of Employee or Spouse
| Event | Required Documentation |
| Loss of Employment | Termination documentation or unemployment application |
| Start of Employment | Employer documentation of employment start date |
| Change in Worksite | Employer documentation showing change and impact on eligibility |
| Leave of Absence | Employer documentation stating employee has commenced or returned from leave |
[ACCORDION] Change in Place of Residence
| Event | Required Documentation |
|
Employee, spouse, or dependent becomes covered by - or loses eligibility for - Medicare or Medicaid (including coverage under a state Children's Health Insurance Program or CHIP) |
Government document evidencing that coverage was gained or lost |
[ACCORDION] Changes in Coverage
| Event | Required Documentation |
| Significant cost increases | N/A |
| Significant curtailment of coverage | N/A |
| Addition or significant improvement of benefits package options | N/A |
| Change in coverage under other employe plan | Documentation from employer evidencing change in coverage |
| Loss of health coverage sponsored by governmental or educational institution | Government verification of loss of eligibility |
[ACCORDION] Other Changes
| Event | Required Documentation |
| Receipt of Social Security Number (alien authorized to work) | Social Security Card |
| Change of Custody, Judgement, Court Order or Decree requiring health coverage | Court documentation including qualified medical child support order (QMCSO) |
| COBRA Qualifying Event | Proof of loss of prior coverage such as a Certificate of Creditable Coverage, COBRA Notice or Early Termination of Continuation Coverage, COBRA Continuation Coverage Notice. If COBRA paperwork is lost, a new copy can be requested from the former employer's human resources department or the COBRA administrator for the health plan. |
| FMLA Leave | FMLA Doctor's Health Certification Document |
| Eligibility for premium assistance subsidy through a Medicaid Plan or CHIP | Government verification of eligibility for subsidy including effective date |
| Exchange Enrolment | Employee representation regarding enrolment in a plan under an exchange |
| Reduction in hours of service to less than 30 hours without a loss of eligibility | N/A |
[/ACCORDION]