Life Changing Events
Making Changes During the Year
The benefit options selected when you first become eligible and/or during the annual open enrollment will remain in effect throughout the calendar year unless you experience an eligible qualifying event.
If you experience an eligible qualifying event during the calendar year, you may request changes to your insurance plans for yourself and/or eligible family members.
- If you are adding family members mid-year, they must be added to the plan you are currently enrolled in. A mid-year change will NOT allow you to change plans.
- You do not have the option of selecting the effective date. Your change in coverage will be effective based upon your qualifying event date.
- Your change request and ALL required documentation must be received by the Business Services Department within 31 calendar days of the qualifying event date (for gain or loss of Medicaid or Medicare, documentation must be provided within 60 calendar days of the qualifying event date).
- The change(s) you request must be consistent with the qualifying event.
Eligible Qualifying Events
An eligible qualifying event includes any of the following:
- Adoption, birth, or placement for adoption of a child;
- Employment status change (new employment, increase or reduction in hours or termination of employment) for you, your spouse, or your dependent;
- Enrollment in a plan through the Federal Marketplace/Exchange;
- Gain or loss of Medicaid or Medicare entitlement;
- Guardianship of a child (full and legal);
- Judgment, decree, or order mandating alternative coverage for a child;
- Legal separation or divorce;
- Loss of eligibility for other coverage (no longer qualify as an eligible dependent under the other coverage or end of COBRA or state continuation coverage) for you, your spouse, or your dependent;
- Marriage; or
- Open enrollment for a spouse or dependent.
PREMIUM IS REQUIRED OR REIMBURSED IF THE QUALIFYING EVENT DATE IS BEFORE THE 15TH OF THE MONTH.
- Adoption, or placement for adoption of child**
- Birth of a child
- Employment Status Change*
- Enrollment in Federal Marketplace / Exchange plan
- Gain Loss of Eligibility for other coverage^
- Gain or loss of Medicaid or Medicare entitlement (60 day event)
- Guardianship of child (full and legal)
- Judgment, decree, or order mandating alternative coverage for a child
- Legal Separation of Divorce
- Open Enrollment for Spouse/Child
How to Request a Mid-Year Change
To request changes for yourself and/or eligible family members to your insurance plans mid-year due to an eligible qualifying event, ALL of the following must be received in the Business Services Department at Stansberry Leadership Center within 31 calendar days of the qualifying event date. (For gain or loss of Medicaid or Medicare, documentation must be provided within 60 calendar days of the qualifying event).
- Insurance Change form accurately completed and signed;
- Appropriate documentation verifying the qualifying event (see chart below for acceptable documentation); AND
- Additional premium due, if coverage is being added, paid by check (made payable to Lee’s Summit R-VII School District) or cash. If requested, a receipt of payment will be provided to you.
If all of these items are not received within the specified number of days, you will be unable to make a mid-year change and will have to wait until the next open enrollment period to make changes to your benefits.
For additional questions regarding mid-year changes, please contact the Business Services Department at (816) 986-1000 or by email at email@example.com.
Does This Impact your Beneficiary Designation(s)?
When life changes occur, it is important to review your beneficiary designations for your Basic Life, Optional Life, PSRS/PEERS Retirement, and 403b/457 Retirement plans.
Be proactive in updating your beneficiary designations and provide complete information to help ensure any benefit payable at your death is distributed in accordance with your wishes.
Important: If a change in life status, such as a marriage, divorce, birth or adoption of a child, has occurred since you have filed your beneficiary designation with PSRS/PEERS, your designation is invalid. You must file new beneficiaries with PSRS/PEERS or Missouri law will determine your beneficiaries if you die before retirement.
PSRS/PEERS provides valuable protection to your beneficiaries if your death occurs prior to retirement. Be proactive in updating your beneficiary designation and provide complete information to help ensure any benefit payable at your death is distributed in accordance with your wishes.
Important: If a change in life status, such as a marriage, divorce, birth or adoption of a child, has occurred since you have filed your beneficiary designation with PEERS, your designation is invalid. You must file new beneficiaries with PEERS or Missouri law will determine your beneficiaries if you die before retirement.
For additional information about beneficiary designation, review the Protecting Those you Care About brochure. For questions regarding your beneficiary information, please contact a Retirement System representative at (800) 392-6848, as the District does not have access to your beneficiary information.
To change your beneficiary information, please visit the Retirement System’s website at PSRS-PEERS to complete the required form.
There are two types of life insurance beneficiaries: Primary (First) and Contingent (Secondary).
A Primary (First) beneficiary is the person or persons who would receive your life insurance proceeds in the event of your death. You may designate more than one beneficiary however the total Primary beneficiary designated percentage must total 100%.
A Contingent (Secondary) beneficiary is the person or persons who would receive your life insurance proceeds if every Primary beneficiary is not living at the time of your death. You may also designate more than one beneficiary however the total Contingent beneficiary designated percentage must total 100%.
NOTE: Basic Life beneficiaries and Supplemental Life beneficiaries do not need to be the same. If you wish to designate a minor as your beneficiary you may want to seek legal advice.
If you do not designate a beneficiary, or if none of the beneficiaries you designated are living at the time of your death, payment will be made to your estate.
It is very important you keep your life insurance beneficiary designations current and up-to-date. Beneficiary information can be changed at any time during the year by contacting Business Services at firstname.lastname@example.org.
This site provides information detailing the benefit programs and options available to you as an employee of the Lee’s Summit R-VII School District. The benefits available to employees are designed to provide a variety of options. As an eligible employee it is important to understand those options and how to make the best choices for your specific situation and individual needs. As needs change, you may have the opportunity to make changes to coverage, either as a new enrollee, during annual open enrollment or mid-year when experiencing a qualifying status change.
Your specific rights to benefits under the Plans are governed solely, and in every respect, by the official Plan documents and insurance contracts, and not by information included in this website. If there is any discrepancy between the descriptions of the Plans as described on this website and the official Plan documents, the language of the documents shall govern. Lee’s Summit School District also specifically reserves the right to revise, modify or terminate the Plans at any time.