Your Guide to Qualifying Life Event (QLE) Documentation

• Marriage certificate

NOTE: Some carriers require proof of coverage for at least 1 day within the last 60 days. This could be a recent billing statement or letter from an employer showing that you had active coverage.

• Divorce decree or legal separation documentation

NOTE: Some carriers require proof of previous coverage for at least 1 day within the last 60 days. this could be a recent billing statement or letter from an employer showing that you had active coverage.

• Official birth certificate or birth record
  
• Relinquishment form
• Notice of legal adoption

Certified death certificate or Obituary and one of the following:

• A letter from the employer on business letterhead (including name and date the coverage ended/ends).
• Documentation from previous carrier (a recent billing statement, ID card) confirming loss of coverage (including name and date the coverage ended/ends).
  
• A legally certified death certificate or obituary (including name and date the coverage ended/ends).
  
• COBRA election form

• Proof of prior qualifying health coverage within the last 60 days and one of the following:
  
• Lease or rental agreement 
  Mortgage deed if owners use the property as primary residence 
  
• The front and back of your driver’s license or state ID showing your new address.
• U.S. Postal Service change of address confirmation
  
• Official school documentation, including enrollment or housing documentation 
  
• Voter registration card showing name and new address
  
• Letter from current or future employer stating that you relocated for work 
  
• Green card, education certificate or visa if you moved to the U.S. from another country
  

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• Coverage termination notice from the government agency that ended the benefits
  
• HIPPA certificate of credible coverage
  
• COBRA election form
  
• A signed letter on company letterhead confirmed coverage termination and date coverage ended
  

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• Proof of prior qualifying health coverage within the last 60 days (loss of coverage letter from the carrier, coverage cancellation notice, or certificate of creditable coverage).
  

If supporting documentation for a qualifying life event is not submitted within the required timeframe, it can delay the processing of your application or impact your ability to make changes to your health insurance coverage. Please respond promptly with any documentation request.  If you miss the deadline, you can shop during Open Enrollment that begins on November 1 for coverage beginning on January 1 without a qualifying life event.

You can submit a letter explaining the coverage you had, why and when you lost it or will lose it, and the reason you can't provide documents. The carrier will determine if additional information is needed and request it from you directly. Please watch for communications directly from the insurance company and respond within the timeframe given in order to prevent any issues.

You can submit one document showing your new address (dated within 60 days prior to your move) and one document at your previous address dated within 12 months after your move. Or, you can submit a letter with the date of your move, your old and new addresses, and the reason you can’t submit documents. Use this form and fill out the “Move” section.

The insurance carrier requires certain details that our team at Take Command may not have direct access to. To avoid any delays and ensure your new coverage is activated correctly.