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Special Election Periods for Natural Disasters

December 18, 2020 by Lance Hoeltke

If you have clients that have been disrupted by natural disasters, such as Hurricane Eta in Florida or the California wildfires, they may be entitled to a special enrollment period. Beneficiaries are entitled to a special enrollment period if:

  • They reside in an area where a disaster or other emergency was declared by a federal, state, or local government entity – OR – 
    • They rely on someone who lives in the disaster area to help them make healthcare decisions – AND – 
  • They were eligible for another election period during the SEP eligibility period – AND – 
  • They didn’t make an election during the election period because of the disaster.

The SEP starts on the earlier of the following dates:

  • The incident start date – OR – 
  • The start date identified in the declaration.

The SEP ends two calendar months following the later of the following dates:

  • The end date identified in the declaration – OR – 
  • The date the end of the incident is announced.

The special election period code to be used is SEP – DST.

FEMA maintains a list of disasters they have declared here.

If you have questions about whether your client is eligible for an SEP or not, our team is happy to help!

Filed Under: Selling

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