Until now, when an employee got married, had a baby or moved in with a partner, changing their benefits mid-year meant a conversation with you, an email to your provider, and a wait.
Not any more. Life Events lets employees make those changes themselves, inside their normal benefits window rules, with you keeping full oversight.
Read on to learn more 👇
💡 What is a life event?
Insurers usually lock benefit choices for the year to keep schemes fairly priced. But they all recognise that some things can’t wait for renewal such as getting married, having a child, buying a home, a relationship status change.
Life Events builds those exceptions into the platform. When something significant happens, the employee opens a life event, and the benefits affected by that event unlock for 30 days.
👤 How it works for your employees
Your employee reports the event from their dashboard. They choose what happened, enter the date, and confirm it’s true. Their relevant benefit cards then unlock for 30 days, with a banner showing how long they’ve got. They can make their changes, save them, come back, and change their mind. Nothing is submitted until they’re ready.
When they’re done, they close their own window and everything goes off together.
🔓 What they can actually change
This depends on the benefit, and on how your scheme is set up:
Life, income protection and critical illness: if your scheme rules allow flexing, employees will see the change options available under your scheme. If they don’t, nothing changes on these cards during a life event.
Private medical, cash plans and dental: employees can update who’s covered, such as adding a new baby. Some cash plans also allow a change of level, where your scheme permits it.
👩💼 What you can do as an admin
You keep visibility and control throughout:
✅ Raise an event for someone useful if an employee comes to you directly rather than doing it themselves
✅ See who has an open window from your employee list, filtered by life event
✅ Close a window early if someone’s finished and you’d rather not wait out the 30 days for approval
✅ Open a window for an older event (see below)
📅 What about events more than 30 days ago?
The 30-day window covers the vast majority of cases, but life is messy and people forget.
If an employee tries to report something older, they’ll see a message pointing them to you. Some insurers will allow a late change on request, and once the provider has agreed, you can open a window manually for that employee for the period agreed.
✅ Approving the changes
When a window closes, what happens next depends on how your platform is set up. Requests can go through automatically, or land in your approvals list for review, exactly as your existing benefit approvals work today.
Every life event change is tagged as one, so it’s clear in your reporting which changes came from an event rather than a renewal.
See it in action 👇
Get Started Today Speak to your Benefits Consultant to turn on Life Events 🚀