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.

Please note:

  • 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.

*Loss of eligibility for coverage does NOT include termination of coverage due to untimely payment of premiums or termination for cause. In addition, dropping or cancelling an individual insurance plan is NOT an eligible qualifying event.

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).

  1. Insurance Change form accurately completed and signed;
  2. Appropriate documentation verifying the qualifying event (see chart below for acceptable documentation); AND
  3. 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 benefits@lsr7.net.

Please click the plus to the right to view acceptable documentation, effective date and premium impact.

Premium is required or reimbursed if the Qualifying Event date is before the 15th of the month.

QUALIFYING EVENT ACCEPTABLE DOCUMENTATION EFFECTIVE DATE OF COVERAGE
Adoption or placement for adoption of child** Copy of finalized court documents indicating date of event. Earlier of:
(i) the moment of birth for a newborn child if a petition for adoption was filed within 31 days of the birth of the child; (ii) the date the petition for adoption was filed; or (iii) date of child’s placement.
Birth of child Birth certificate, Hospital Crib Card or Hospital invoice showing name and date of child’s birth. Date of Birth
Employment Status Change (reduction in hours or termination of employment) If you, no forms required. If spouse or dependent, letter/form from spouse’s or dependent’s old or new employer indicating the gain or loss of employment. Letter/form must indicate coverage type(s), last date of coverage or first date coverage is available, and who was or will be covered. First day following the date the other coverage terminates or day prior to the date coverage begins.
Enrollment in a Federal Marketplace/Exchange plan Copy of enrollment verification which indicates coverage start date. Day prior to the date coverage begins.
Gain or loss of Medicaid or Medicare entitlement Letter/form indicating the gain or loss of coverage. Letter/form must indicate last date of coverage or first date coverage is available. First day following the date the other coverage terminates or day prior to the date coverage begins.
Guardianship of child (full and legal) Copy of court order awarding full guardianship. Date of legal guardianship as indicated in court documents.
Judgment, decree, or order mandating alternative coverage for a child Copy of medical support order or court documents. Date indicated in medical support order or court documents.
Legal Separation or Divorce Spouse: Copy of finalized court documents indicating date of event.
Child(ren): Copy of finalized court documents indicating date of event. If coverage is not court ordered, must supply a letter/form indicating the gain or loss of coverage. Letter/form must indicate last date of coverage or first date coverage is available.
Date of Divorce.
First day following the date the other coverage terminates or day prior to the date coverage begins.
Loss of Eligibility for Other Coverage* Letter/form indicating the date you, your spouse/dependent are no longer eligible. First day following the date the other coverage terminates or day prior to the date coverage begins.
Marriage Marriage certificate indicating both parties and date of marriage. Date of the Marriage
Open Enrollment for Spouse/Child Letter from spouse’s or dependent’s employer indicating an open enrollment change. Letter must indicate coverage type(s), last date of coverage or first date coverage is available, and who was or will be covered. First day following the date the other coverage terminates or day prior to the date coverage begins.

*Loss of eligibility for coverage does NOT include termination of coverage due to untimely payment of premiums or termination for cause. In addition, dropping or cancelling an individual insurance plan is NOT an eligible qualifying event.
**Date of placement for adoption means the date you assume the legal obligation for total or partial support of the child to be adopted in connection with formal adoption proceedings.

Does this Mid-Year Change 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

Beneficiary

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.

Life Insurance

Beneficary

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 using Employee Online.

Click here for FAQs and helpful hints when making Life Insurance Beneficiary updates in Employee Online.

AIG (VALIC) 403b/457

Beneficiary

Log into your Retirement Manager online account or contact your AIG (VALIC) representative to assist you with updating your beneficiary on your 403b/457 account.