IQVIA Benefits Handbook
WHEN COVERAGE BEGINS
For You
When your coverage begins depends on when you became eligible to enroll or make a change under the Life Insurance Plan, as shown in the following table.
If You:
Your Coverage Begins:*
Are a current participant in the Life Insurance Plan and make changes during open enrollment
The beginning of the following plan year (January 1).
Are a newly-hired or newly-eligible employee
Your date of hire.
Have made a change to your election outside of your initial eligibility period or open enrollment
The date Lincoln approves your EOI.
* If you are electing optional coverage, in all cases your coverage will not begin until your EOI form is approved (if EOI is required).
If you are not actively at work because of injury or illness on the date your coverage would become effective, your coverage will begin on the date you return to work.
For Your Eligible Dependents
If you enroll an eligible dependent in optional coverage, coverage begins on the latest of the following:
  • The date your dependent is eligible for coverage.
  • The date your eligible spouse's EOI form is approved (if EOI is required).
See "Eligible Dependents" for information about who qualifies as an eligible dependent and "Evidence of Insurability (EOI)" for information about EOI requirements.