Communicating Life Changes

What you need to know

Who do you communicate life changes to?

We suggest you communicate important information related to changes in your life with your employer, benefits administrator, or human resources department.

Why is this important? Keeping your employer (or any of the above) up to date with these changes ensures that you receive uninterrupted coverage, and avoid unnecessary delays.

What kinds of life changes?

We recommend notifying your employer as quickly as possible for any of the following changes:

Marital or common-law status changes

Started living with your partner

Dependents number changes

Spouse’s coverage has started/ended

Beneficiary or trustee changes

What is my information used for?

Your employer works with your insurers to use this information to calculate and determine:

  • the benefits you receive

  • benefits that are covered by your plan

  • who is covered by your plan

  • who should receive payment for the benefit

How much time do I have to notify them?

All changes must be reported to the insurer within 31 days of the change occurring.

It is important that you notify your employer, plan administrator, or human resources department of any changes as soon as possible, so they can report the changes to the insurer within the 31-day deadline.

What happens if they are not notified before the deadline?

If the changes are not reported to the insurer within 31 days, you may be denied until medical evidence is submitted and approved.

This may result in denial of coverage, or otherwise unnecessary delays in the payment of benefits.