Life Events & Job Changes
QLEs, COBRA, job offers — know the deadlines before life hits.
Disclaimer
Enrollment rules and COBRA rights depend on your plan and employer. Not legal advice.
🎬 Part 2: COBRA & Coverage After a Job Ends
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Life happens. Deadlines don't care. Know the moves.
Life Event Playbook — QLE actions & deadlines (PDF)Life events have hard deadlines — often 30 days, sometimes 60. The Life Event Playbook PDF lists documents, backup proof, and enrollment windows for each scenario.
- Keep a folder (digital or paper) of marriage, birth, and address documents ready for HR uploads.
Quick reference
- Report qualifying life events to HR immediately — deadlines are strict (often 30–60 days).
- COBRA may allow temporary continuation of group coverage — read your election notice carefully.
- Compare job offers on total comp: salary + benefits value, not salary alone.
Checklist
- Know your employer's QLE process
- If leaving a job, watch for COBRA notices
- Compare COBRA vs marketplace/spouse options on official sites
- Update beneficiaries after major life changes