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Employee coverage termination

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Ending coverage

You may terminate an employee or dependent’s coverage by doing any of the following:

  • Terminating them on the employer portal
  • Mail, fax, or email a memo to the Enrollment and Billing Department with the:
    • Employee’s name
    • Member number
    • Effective date
    • Reason of termination

If you receive a monthly invoice, make a note on the Employee/Dependent Terminations section of your group’s monthly premium billing invoice and send the page to the Enrollment and Billing Department with the:

Note: Omitting a member from an application or simply not paying for the member will not terminate the member’s coverage. A termination request must be received in one of the formats listed above. We will refund or adjust premiums for retroactive terminations for up to three months. The month the request for the retroactive termination is received is counted as one month.

Billing questions?

Dependent terminations


The employee is responsible for notifying you of the divorce and the date of divorce. The divorced spouse and dependents cannot be removed from the policy until the judgment of divorce is final. For example, the individual cannot be removed because a divorce is pending or a Certificate of Readiness has been issued. The termination date will follow the employer’s termination provision.

In most cases, you will need to offer COBRA/State Continuation coverage to the divorced spouse (and dependents if applicable). See your COBRA/Continuation guidelines or consult your attorney if you have questions.


If an employee/spouse/dependent dies, his or her coverage ends on the date of death. In the case of an employee’s death, the surviving spouse/dependents coverage will continue through the end of the month in which the employee died. Again, COBRA/State Continuation coverage must be offered to the spouse/dependents.