Qualifying Events

Qualifying Life Events (QLEs)

Newly eligible employees can choose to participate in any eligible state health and NC Flex benefits within 30 days of their eligibility (i.e. hire date).  After election deadlines have passed, enrollments/changes/cancellations can only be made during annual enrollment or due to QLEs.

QLEs (include but are not limited to) the following:

  • Birth of a child
  •  Adoption (or placement of adoption) of a child
  • Marriage
  • Divorce
  • Legal separation
  • Death (yours or that of a covered dependent)
  • Unpaid leave of absence for you or your spouse
  • Gain other coverage (self or dependent)
  • Change in your employment status (i.e. changing from full-time to part-time)
  • Lose of other coverage (self or dependent)
  • Change in your spouse's employment, impacting his/her benefits eligibility
  • Dependent turns age 26

(QLEs) allow members to make certain changes (i.e. add/drop dependents) within 30 days of the event.  A QLE does not allow you to change the health plan(s) in which you are enrolled, and supporting documentation is required for any changes due to a QLE.

Action Needed:

If you experience a QLE, you need to closely review all of your benefits and take action where needed (i.e. add them to the plan, update your beneficiary, etc.) within 30 days of the event.   Reference the information below to assist you in this process.

Where to make changes:

Log into eBenefits

  • Enter your NinerNet cridentials
  • Follow the system instructions for making qualifying event changes

Deadline: 

  • 30 days from the QLE to make additions/changes/cancellations to coverage
  • Note:  This includes making elections to add newborns to coverage within 30 days of their birth. 

Deductions:

Premium changes, retroactive refunds, and collections are processed within the next available payroll cycle, per the deduction frequency noted below.  If you need special arrangements made to spread collections over multiple checks, please contact benefits at 704-687-8134, when you enter your qualifying event in the eEnroll system.

Deduction Frequency:

  • Health Insurance: bi-monthly – deducted a month in advance of coverage
    • Collection of retroactive premiums: $400 or less over 2 paychecks, more than $400 over 4 paychecks 
  • Other Insurance bi-monthly – deducted the month of coverage
    • Collection of retroactive premiums: $50 or less over 1 paycheck, more than $50 over 2 paychecks
    • Health and dependent care spending accounts: annual amount spread over remaining paychecks 

Resources: