Change your benefits with a qualifying life event

Typically, the only times you can change insurance coverage are as a new hire or newly eligible employee, or during your company’s annual open enrollment. The exception is if you or your dependent experience a Qualifying Life Event (QLE). A QLE is an event that your insurance carrier considers to be a valid reason to change your benefits outside open enrollment. This can be an event like a marriage or a dependent gaining other coverage through a new job.

Make sure to submit your QLE request and valid proof of the event in Gusto within 30 days of when your life event took place. Carriers take 1–3 weeks to review requested changes. If your request is approved, the carrier determines the effective date of the change and we'll update your benefit details in Gusto.