Qualifying Life Event-Outside of Open Enrollment

Qualifying life events may happen anytime of the year. When certain event occur, you can make appropriate changes to your coverage.

Examples of some of the qualifying life events that would qualify.

  • Medicare Eligibility
  • Birth or adoption of a baby or child
  • Loss of other healthcare coverage, does not include private plans
  • Eligibility for new healthcare coverage
  • Marriage or Divorce

Please Note:  Qualifying event changes must be processed within 30 days of the event date. 

COSB Qualifying Event List

Rules for Mid-Year Health Insurance Changes

Santa Barbara County Employees' Retirement System reminder:  birth, death, marriage, and divorce may impact who you list as your retirement account beneficiary.  Keeping your beneficiary up to date is important both pre-retirement, and after retirement. There are a number of different refund, lump sum, or continuance options that may be available to your qualified beneficiary, and we want to ensure we honor your wishes.  It is important to inform SBCERS of life changes ensure your retirement account is accurate.  The SBCERS Beneficiary Designation form is different from the County form, and can be found here: https://www.sbcers.org/wp-content/uploads/2af198_08c05305150043efaeb1f0da4d1cf007.pdf

For more information on what is qualifying life event and to update your information through BenXcel, please review the following Employee User Guide first . For specific information on qualifying life events, view pages 6 & 7 on the guide book.

If you have not created a login, go to: www.Benxcel.net

  • User Name: First two characters of your first name and first two characters of your last name, last four of SSN ex: amro1234
  • Password: Entire date of birth with no spaces ex: 01091975
  • Company: COSB

If you cannot remember your password and need a reset or having systems issues, you can call BCC at 1-800-685-6100 for assistance.