Overview

After you make your initial benefit elections, you may not change or cancel your benefit elections during 2021 unless you experience a qualifying life event or qualify for special enrollment.

Qualifying life events include, but are not limited to:

  • Marriage
  • Divorce or legal separation
  • Birth or adoption of an eligible child
  • Death of your spouse or covered child   
  • Loss or addition of other group coverage   
  • Change in your spouse’s work status (part-time to full-time or vice versa; taking or returning from an unpaid leave of absence)   
  • Change in your work status that affects your benefits
  • Change in residence that affects your eligibility for coverage
  • You or your covered dependent becomes eligible for Medicare
Health Insurance Portability and Accountability Act (HIPAA) Special Enrollment Provisions

Special enrollment events allow you and your eligible dependents to enroll for health coverage outside the Annual Benefits Enrollment period under certain circumstances.

What to do if you experience a life event

Once your benefits enrollment ends, if you need to make changes to your 2021 benefit elections as a result of a qualifying life event, visit the Mercer Marketplace 365+ website or call a benefits counselor at the Transamerica Benefits Center at 866-891-4274. You may be asked to provide documentation to serve as proof of the life event. If so, you will be given instructions that explain what documentation is required. Changes must be made within 30 days* of your qualifying life event. All changes other than birth and adoption are effective on the first of the month following the date of the event.

*For loss of Medicaid or CHIP eligibility, changes must be made within 60 days. For court orders (QMSCO), changes must be made within 30 days.

Dependent verification

If you add a dependent to coverage as the result of a qualifying life event, you must provide proof of the dependent’s eligibility to Mercer Marketplace’s dedicated Transamerica Benefits Center, including the Dependent Verification Form, which you can find on the enrollment website under Resource Center. After you enroll, information on what documents are required will be available on the Mercer Marketplace website. Contact Mercer Marketplace prior to your deadline if you need information for dependent verification or if you need to extend your deadline. You will have 31 days from the date you enroll your dependent on Mercer Marketplace 365+ to provide the documentation. If you do not provide dependent verification timely, your dependent will be removed from coverage. You can send it to the Transamerica Benefits Center at:

  • Email: MercerMarketplace.BenefitCenter@mercer.com
    Preferred subject line: {Employee Name}, {Employer}, Verification Documentation
  • Fax Number: 515-365-4364
  • Mailing address: Transamerica Benefits Center, PO Box 14501, Des Moines, IA 50306-3501

It may take up to 10 business days to process your dependent verification after documentation has been received.