What events are not considered Triggering Events?
If an employer terminates a group health plan or amends it to reduce coverage, neither the termination nor the amendment is a qualifying event. The following events are not considered triggering events: • A change in insurance carriers. Replacement of one insured health plan with a less generous plan is not a qualified event. • Tendering a resignation. Only when an employee actually terminates does a qualifying event occur. • Filing for divorce. The entry of the decree is the triggering event; however, if legal separation precedes the divorce and results in a loss of coverage, then the legal separation will become the triggering event. • Employee drops coverage for spouse or dependents. • Employee’s resignation from Union. • Termination of Employment After Insurer Cancels Group Health Plan.
