When an Administrator or an employee initiates a life event in Maxwell, they will choose from a list of events or change reasons. For more details on the steps you may need to take with life events, you can review how to Change an Employee's Information or Benefits.
| View of Life Events as an Admin | View of Life Events as an Employee |
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The full list of Life events is included below and is categorized as following:
- Dependent Add Events
- Dependent Drop Events
- Employee Add Events
- Employee Drop Events
- Additional Life Event Options
Here are a few tips as you work with Life Events in Maxwell:
- Certain life event reasons are available only to Administrators. These have been noted in the list of life events below.
- If you would like to customize which benefits should be available for employees to review and update for each life event, you can setup your Life Event Settings.
- Because the life events and change reasons accepted by each carrier are different, the list is not intended to be exhaustive. It does not contain examples for every reason out there, but it covers the most common ones.
- Each carrier has different names for change reasons- or life events. The terminology used in Maxwell (e.g. “Birth or Adoption of Child”) may not match up exactly with the terminology that the carrier uses (e.g. “Change in Number of Dependents”). You should be able to cross-reference between Maxwell and the carrier and find a match. We cannot customize the change reason or life event list specifically for your portal or for different carriers.
Dependent Add Events
These life events can be used to track when an employee has a change in family status with one or more dependents.
- Birth or Adoption of Child
Employees who have a baby or adopt a child can typically add their child to their insurance plans. - Court Order: Add Dependent to Coverage
- Dependent Lost Eligibility for Medicaid or State Program
- Dependent Lost Eligibility for Medicare
- Dependent Lost Insurance Coverage
- Gain of Child Custody
- Marriage
Employees who get married can typically add their spouse to their insurance plan, or cancel their coverage if they’d like to enroll in their spouse’s plan. - New Domestic Partner
Dependent Drop Events
These life events can be used to track when an employee has a change and may need to remove a dependent from their coverage.
- Court Order: Remove Dependent from Coverage
- Death of Spouse or Dependent
- Dependent Age Off
Please note that Maxwell automatically removes child dependents who age off from coverage based on the rules provided during your implementation. You can then notify the employee of any next steps needed. - Court Order: Remove Dependent from Coverage
- Dependent Gained Insurance Coverage
- Dependent Newly Eligible for Medicaid or State Program
- Dependent Newly Eligible for Medicare
- Dissolution of Domestic Partnership
- Divorce or Legal Separation
You should use this life event if an employee wants to remove a dependent spouse from their coverage. - Loss of Child Custody
Employee Add Events
These life events can be used to track when an employee wants to add a new coverage.
(Note: these events are available to Administrators Only)
- Employee Lost Eligibility for Medicare
- Employee Lost Medicaid or State Program
- Employee Newly Eligible
Use this life event if one of your employees has recently had an eligibility change. For example, if they were previously covered by a plan outside of the employer, like an employee who was covered by a parent’s plan, but has aged off of it, an employee who was covered by a spouse's plan but has had that coverage terminated, or an employee who has moved from part-time to full-time and is newly eligible. Follow these directions for processing a change that results in an eligibility group change. - New Hire (BambooHR Integration Only)
Use this life event only if you have the BambooHR integration set up in Maxwell. Read about how you would use this to add new hires that sync into Maxwell from BambooHR.- Please note, this life event does not appear as an option in the Life Event Settings.
Employee Drop Events
These life events can be used to track when an employee should be removed from existing coverage.
(Note: these events are available to Administrators Only)
- Employee Lost Eligibility
Use this life event if one of your employees has changed eligibility. Examples include an employee moving from full-time to part-time or changing eligibility groups. This life event can be used to document their cancellation of coverage. - Employee Newly Eligible for Medicaid or State Program
If an employee would like to enroll in Medicaid, this life event can be used to document their cancellation of coverage with their employer. - Employee Newly Eligible for Medicare
If an employee would like to enroll in Medicare, this life event can be used to document their cancellation of coverage with their employer. - Leave of Absence
Please note that this does not put the employee in an "on leave" status, Maxwell only has two statuses "active" and "inactive."
Additional Life Event Options
- Change of Address
If an employee moves to a new area, they may need to make changes to their benefits coverage. This can also be used to record a move that doesn’t require a change to benefits coverage. - Change to Spending/Savings Account Contribution
Employees should use this change reason if they want to change the contribution amount to their financial products. - Change of Compensation (Note: available to Administrators only)
A change in compensation likely won’t result in an employee’s ability to enroll in new coverage or change their existing coverage. But you may use this life event to record that a change of compensation occurred. Keep in mind that when you approve and end this event, salary-based products will update automatically based on your salary effective date rules.