When and How to Make Coverage Changes
You can make changes to your benefit elections during the plan year if you experience a qualifying life event. You have 31 days from the date of the life event to make those changes. If you miss this window, you will not be able to make changes until the next annual Open Enrollment period.
Qualifying life events include:
- Change in legal marital status (i.e., marriage, divorce, death, legal separation or annulment)
- Newly established or dissolved domestic partnership
- Change in the number of dependents (i.e., birth, adoption or placement for adoption, death)
- Change in your or your spouse’s/domestic partner’s employment status or employer-provided coverage
- Change in dependent eligibility
- Change of residence (moving into or out of an insurance’s coverage area)
- Receipt of a judgment, decree, or order to provide coverage
- Changes resulting from a family medical leave
- Enrollment in Medicare or Medicaid
- Significant cost or coverage change (such a change does not permit modifications to your health flexible spending account)
You may be required to provide documentation, such as a birth certificate or marriage license, to make changes to your elections or coverage.
Learn more about qualifying life events on HealthCare.gov.
Mid-year changes support
Are you adding or removing a spouse or dependent on your Snowflake benefits? Often, current or previous insurance providers or employers will require formal documentation before they can be “released/added” from their old plan.
If you need a letter to prove that you or your dependents are gaining/losing coverage at Snowflake, please follow the steps below.
What Documentation Can I Get?
Our Benefits Advocates can provide a formal Enrollment Verification Letter on employer letterhead. This letter typically includes:
- The names of all individuals gaining coverage.
- The specific benefit plans they are enrolled in.
- The Effective Date (eligibility date) of the coverage.
How to Request Your Letter
To ensure your letter is accurate and generated quickly, please email our Benefits Advocacy Team:
- Email: snowflakebenefits@alliant.com
- Subject Line: Enrollment Verification Request – [Your Full Name]
- Information to Include: * Full names of the dependents being added/deleted.
- The reason for the request (e.g., “Moving children from spouse’s plan to/off Snowflake”).
- Any specific details requested by the other employer (such as a request for specific letterhead).
Additional Resources
In many cases, a copy of your Insurance ID Card or your Open Enrollment Confirmation Statement may also serve as proof of coverage. You can typically download these directly from the carrier’s member portal (e.g., Cigna, Delta Dental, etc.).
