Qualifying Life Event for Adding Family Member to Health Insurance After Job Loss

If they haven't been terminated then it's not a qualifying life event. You would be risking your insurance if they were to find out.

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Hypothetically-

Let's say that process is already underway, but at the last second, the very final last moment, the termination gets pushed off another week or two. Knowing the inevitable is still the inevitable, what's the worse thing that could happen by letting the original process go through on the original termination date?

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You absolutely will need the termination letter as you mentioned, but it's for the carrier more so than the HR department. You should notify HR of the event, tell them the date of the QLE, and the carrier typically is who you have to provide proof of the loss of coverage to. If the letter you provide to the carrier has a different date than the event date you gave HR, it's not an issue -- HR will just need to go in and update the coverage date under "Administrative Correction".

Of course HR processes are all different to a degree but, in general, that's what I've seen.

Don't insurance plans go month to month? Meaning if you get terminated Nov 1, you are still covered the entire month of Nov?

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Don't insurance plans go month to month? Meaning if you get terminated Nov 1, you are still covered the entire month of Nov?

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Mine all did