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New rules beginning 2022: 30 day deadline date for adding a newborn or spouse to health insurance

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If you acquire a new dependent during the plan year, like adding a newborn or getting married, the Federal Health Insurance Portability and Accountability Act (HIPAA) may provide an opportunity for you and eligible dependents to enroll in health coverage.  If you are adding dependents to your existing coverage, the application for enrollment must be made within 30 days of your new dependent’s acquire date.

If an employee submits documents past the 30 days then the administrators of the plan may require an appeals letter to determine eligibility for benefits.

To review what is considered a special qualifying event and appropriate document can be found on page 3 on the enrollment change application.