Mid-Year Benefit Changes
Can I make a change to my Desoto ISD Benefits?
Desoto ISD’s Supplemental Benefit Plan Year is January 1 – December 31, Open Enrollment for your Supplement Benefits is typically in October for the new plan year. TRS Medical Plan Year is September 1 – August 31, Open Enrollment for TRS Medical is typically in August.
The IRS provides specific instances when an employee may be eligible to make changes outside of this enrollment window, these are called Qualifying Life Events. Employees must provide written and dated documentation to the Desoto ISD Benefits Department within 30 days of the Qualifying Life Event to qualify for a change to their benefits. Please also complete this form to elect your benefit change due to the QLE and return with your written documentation to the DISD Benefits Department.
Qualifying Life Events are the only exception on changes outside of this enrollment window and they must be made within 30 days from the Qualifying Event Date (no exceptions).
What are examples of a IRS Qualifying Life Events?
- Change in marital status.
- Change in number of dependents.
- Change in employment.
- Change in dependent eligibility due to plan requirements (e.g., loss of student status, age limit reached).
- Change in residence (e.g., employee or dependent moves out of plan service area).
- Death of dependent.
- Significant cost changes in coverage.
- Significant curtailment of coverage.
- Addition or improvement to benefits package option.
- Change in coverage of spouse or dependent under another employer plan (e.g., spouse’s employer had no insurance coverage before but now offers a plan).
- Loss of certain other health coverage (e.g., plans provided by governmental or educational institutions).
- Health Insurance Portability and Accountability Act (HIPAA) special enrollment rights.
- Judgments, decrees or orders.
- Entitlement to Medicare or Medicaid.
- Change in hours worked to less than 30 hours per week on average if the employee and covered family members enroll in another plan providing minimum essential coverage.