Gain or Loss of Coverage

Timing and Documentation

If you (or a dependent) gain or lose other health coverage, you maybe eligible for a Qualifying Life Event.

In response to the national emergency, you have up to 1 year from the event date to provide documentation for the Qualified Life Event. When the national emergency ends, you have 60 days from the effective or termination date of the other coverage to request changes to your County benefit elections. Your new elections will be effective the 1st of the month after you have submitted your request.

Making Changes

You can initiate a Qualifying Life Event and upload a copy of documentation of your event by logging into PeopleSoft Self Service and following this path:

Main Menu> Self Service > Benefits > Life Event > I gained other coverage

or

Main Menu> Self Service > Benefits > Life Event > I lost other coverage

If you do not have documentation of your event, you may send an email request to DHRBenefits.FGG@sdcounty.ca.gov to explain what changed and confirm the date of the gain or loss of coverage.

An Employee Benefits representative will then open a Life Event and send you an email with instructions to make your elections. Receipt of your request will begin the Life Event process, but you must then log in to actively make your new elections after receiving email notification from Employee Benefits.

Spending Accounts

It is important to note that a change in benefit plan coverage can often result in changes to spending accounts. Any excess Flex Credits will be directed to the respective spending account based on your medical coverage election. Reimbursements can only be submitted for expenses incurred when an account is open.
Common situations to keep in mind:

  • A gain of other group medical coverage may result in excess flex credits going into a Health Reimbursement Account 
  • A loss of coverage may result in an existing Health Reimbursement Account closing 
  • Outside of the national emergency, a gain or loss of coverage will not qualify you to start, change or terminate a Health Care FSA 
  • You may be eligible to direct or stop excess flex credits to a Dependent Care FSA

Please review the Spending Accounts for additional information.