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Qualifying life event (QLE)

A qualifying life event is a particular moment in your life that allows you to make changes to your health insurance policy. If you're experiencing a QLE, you're eligible for a special enrollment period which would otherwise be fixed and closed until your current plan is up for renewal. The deadline to make changes varies, but is typically 30 days after the event occurred. Follow these steps to change your Gusto benefits.

Here's a list of valid types of proof/documentation.

Examples of common QLEs

  • Marriage, divorce, or legal separation.
  • Death or birth of a spouse or child; change in dependents.
  • Change in residence or work location that leads to a change in your benefits eligibility.
  • Change in employment that leads to a gain or loss of health insurance coverage.
  • Aging out of coverage if you are a dependent on another plan. The age at which you become ineligible to be a dependent on another plan is state-specific. To find out about your state, reference the State Legislature.
  • Gaining coverage through a new employer.

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