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Loss of Spousal Coverage
If an employee initially waives health and dental benefits because he or she had comparable coverage under a spousal plan, and his or her spouse subsequently loses coverage, the employee has 31 days in which to apply for benefits under the WRLA program. If application is not made within 31 days, he or she would then be considered a “late applicant” and would have to submit medical evidence before the insurer would accept the employee onto the plan.
Within 31 days:
1. Employee and employer complete the Change Form
2. Send completed copy of the form to the insurer
After 31 days:
1. Employee and employer complete applicable information on the Change Form along with a complete Health Evidence Questionnaire Form
2. Submit the original copy of both forms to the insurer
3. The employee does not have coverage until you receive confirmation from the insurer