> ## Documentation Index
> Fetch the complete documentation index at: https://docs.noyo.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Effective End Dates

> Unless in cases of explicit termination, the effective end date should be sent as `datemax`

When sending a member snapshot, you will need to send an `effective_end_date` for each enrolled member for a given coverage block.

## Active coverages

While `effective_end_date` is a required field, a defined end date should only be provided if the member's coverage is expected to terminate on that specific date. Otherwise, the member's `effective_end_date` should be sent as `datemax` (`9999-12-31`).

Even if the *plan year* is scheduled to end on a specific date, it's common for coverage to continue into the next plan year uninterrupted, so a member's end date should remain at `datemax`.

```json [expandable] {12} lines theme={"system"}
{
    "coverages": [
        {
            "carrier_id": "2d370e0e-fd73-45e0-8828-796d2cacaeef",
            "line_of_coverage": "dental",
            "plan_id": "61b6d125-8bbf-483a-9920-f23d9442403d",
            "enrolled_members": [
                {
                    "individual_type": "employee",
                    "custom_individual_id": "1",
                    "effective_start_date": "2022-10-01",
                    "effective_end_date": "9999-12-31",
                    "latest_change_effective_date": "2022-10-01",
                    "event_id": "7"
                }
            ],
        }
    ]
}
```

For Open Enrollment elections, specifically plan switching scenarios, the member's `effective_end_date` should be sent as the plan end date and a separate coverage block should be created for the new plan.

### Splitting coverage blocks for continuous coverage

When splitting a coverage block into multiple due to a specific aspect of the configuration (e.g. benefit class), the `effective_end_date` should be set with a defined value even though the coverage is not ending. The second block takes care of signifying the open-ended nature of the coverage.

<Note>
  Ensure your coverage blocks do not have a gap in dates
</Note>

```json [expandable] {10-11, 22-23} lines theme={"system"}
{
    "coverages": [
        {
            "plan_id": "4655eed5-ee44-49e1-a0a9-aa3a6fd52aa5",
            "carrier_config": {
                "benefit_class": "511",
            },
            "enrolled_members": [
                {
                    "effective_start_date": "2024-12-01",
                    "effective_end_date": "2024-12-31",
                }
            ],
        },
        {
            "plan_id": "4655eed5-ee44-49e1-a0a9-aa3a6fd52aa5",
            "carrier_config": {
                "benefit_class": "001",
            },
            "enrolled_members": [
                {
                    "effective_start_date": "2025-01-01",
                    "effective_end_date": "9999-12-31",
                }
            ],
        }
    ],
}
```

## Waived/canceled coverages

If a coverage needs to be waived or canceled before it begins, the `effective_end_date` should be set to one day before the `effective_start_date`.

```json [expandable] {13} lines theme={"system"}
{
    "coverages": [
        {
            "carrier_id": "2d370e0e-fd73-45e0-8828-796d2cacaeef",
            "line_of_coverage": "dental",
            "plan_id": "61b6d125-8bbf-483a-9920-f23d9442403d",
            "enrolled_members": [
                {
                    "custom_individual_id": "150D001",
                    "individual_type": "employee",
                    "event_id": "10002",
                    "effective_start_date": "2023-04-01",
                    "effective_end_date": "2023-03-31",
                    "latest_change_effective_date": "2023-03-20"
                }
            ],
        }
    ]
}
```

<CardGroup cols={2}>
  <Card title="Waiving/canceling coverage" icon="book-open" horizontal href="/docs/members/complex-changes/waives">
    Read more
  </Card>
</CardGroup>

## Terminated or future-terminating coverages

When a coverage is terminated after having been active, the `effective_end_date` should be set to the last day of coverage.

If you know in advance that a coverage will terminate on a specific date (due to cessation of employment, the end of a plan, or another reason), set that date as the `effective_end_date` as soon as you know it. Future terminations are processed differently by different carriers, so these changes may exist in a `processing` state for longer as Noyo holds the change until a carrier is able to accept it.

<Note>
  If the coverage termination is due to an employment termination and your platform supports COBRA, this field requires special handling. Please see the [COBRA](/docs/members/complex-changes/cobra) documentation for more information.
</Note>

<CardGroup cols={2}>
  <Card title="Terminating coverage" icon="file-code" horizontal href="/examples/terminate-employee">
    Code example
  </Card>

  <Card title="COBRA" icon="book-open" horizontal href="/docs/members/complex-changes/cobra">
    Read more
  </Card>
</CardGroup>
