IQVIA Benefits Handbook
WHEN COVERAGE BEGINS
When your coverage begins for you or your covered dependents depends on when you became eligible to enroll or make a change under the AD&D Plan, as shown in the following table.
If You (or Your Dependents):
Your Coverage Begins:
Are a current participant in the AD&D Plan and make changes during open enrollment
The beginning of the following plan year (January 1).
Are a newly-hired or newly-eligible employee
The date of hire.
Have made a change to your election outside of your initial eligibility period or open enrollment, due to an qualified status change
The date you make the change.
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.