WHAT DEPENDENTS ARE ELIGIBLE FOR INSURANCE?
Dependents eligible for insurance are your spouse (legally married); natural or adopted children (regardless of where they live); stepchildren, if you or your spouse has legal or joint custody or shared parenting; children living in the home for whom you are the legal guardian; any dependent child living in your home for 12 months a year who is dependent upon you for support and maintenance as evidenced by being claimed as a dependent on your federal income taxes. Unmarried dependent children are eligible for coverage through the last day of the month of their 24th birthday. Dependent children between the ages of 19 and 24 must be claimed on your income tax or be a full-time student.
What is a full-time student?
One who is registered for at least the number of credit hours that the institution requires in its definition of full-time student status and who attends classes for two of three semesters or three of four quarters in any 12-month period.
What dependents are not eligible?
Dependents not eligible for insurance are ex-spouse (even if court ordered); married children, regardless of age; parents of the employee or spouse; foster children; children in the armed forces on a full-time basis; children over age 24 (unless they meet qualifications for incapacitation); live-in companions who are not legally married to the employee.
