When Does Insurance Become Effective After Marriage?

When you have insurance coverage through your job, it usually covers your spouse. If you currently have insurance and recently were married after enrolling in the insurance policy, you will need to notify the insurance company of the change for coverage to begin. Insurance companies may have different dates when coverage starts for a new spouse. You may want to check with your insurance company to confirm exact dates and requirements.

Adding Spouse Within the Enrollment Period

• Insurance companies often have their own policies when it comes to enrollment dates. Some only allow enrollment during certain months of the year. Insurance companies consider certain life events, such as marriage, an exception. The employee must request enrollment for their spouse within 30 days of the marriage. With some insurance companies, the enrollment period is 31 days from the date of the life changing event. It is a good idea to act as soon as possible.

Coverage Effective Dates

• Coverage for a spouse usually becomes effective the first day of the month after the insurance request is received. For example, if the request was made on November 10, the coverage will take effect December 1.

Missed Enrollment

• If you do not request enrollment for your spouse within the 30 day period, you have not missed the opportunity completely. Your spouse will need to wait longer for coverage to begin. Usually, a spouse can be enrolled during the following open enrollment period.