Examples of Original Coverage Start Date in Benefits

The original coverage start date indicates when the participant and dependents began continuous coverage under a benefit plan or option. The following example shows how the original start date changes in different situations.

Use the View Enrollment Results task on the Actions menu of the Enrollment section in the Benefits Service Center landing page to see the original coverage start date for a participant and dependents.

Impact of Enrollment Changes on the Original Coverage Start Date

One of the benefits that your enterprise offers to newly hired workers is a health insurance plan that has the following options:

  • Employee Only

  • Employee plus One

  • Employee plus Family

A worker joins your enterprise on January 1, 2015 and enrolls in the Employee Only option.

The following table lists subsequent changes to the worker's enrollment and their impact on the dependent's coverage start date and the original coverage start date.

Enrollment Event

Coverage Start Date

March 1, 2015

The worker gets married and enrolls in the Employee plus One option.

The coverage start date and the original coverage start date for the worker and spouse is March 1, 2015.

March 1, 2016

The worker gives birth to a child and changes enrollment to the Employee plus Family option.

The coverage start date and the original coverage start date for the worker, spouse, and child is March 1, 2016.

The worker and designees have the same dates because the worker enrolled in a new option.

October 1, 2016

The worker changes from working full-time to part-time and is no longer eligible for coverage.

Enrollment for worker, spouse, and child ends.

April 1, 2017

The worker changes from working part-time to full-time.

The worker enrolls in the Employee plus Family option and designates spouse and child as dependents.

The coverage start date and the original coverage start date for the worker, spouse, and child is April 1, 2017.

The original coverage start date is April 1, 2017 because of the break in coverage from October 2016 through March 2017.

July 1, 2017

The worker gives birth to a second child and makes designations accordingly to the Employee plus Family option.

Worker, spouse, and first child:

  • Coverage start date: July 1, 2017

  • Original coverage start date: April 1, 2017

Second child:

  • Coverage start date: July 1, 2017

  • Original coverage start date: July 1, 2017

The original coverage start date for the worker, spouse, and the first child is April 1, 2017, which is when they were first covered.