Making Changes to Your Benefit Programs (continued)
Children Who Are No Longer Eligible for Dependent Coverage
Medical and Dental Coverage
Children may be covered under your medical and dental plan until they turn age 19. Coverage may be extended up to age 25 if your child qualifies as a dependent child: unmarried and financially dependent (you provide more than one half of his or her support). Eligibility for health coverage ceases as soon as he or she ceases to meet any of the requirements above. More detailed information about these criteria is available on the Certification of Dependent Child Eligibility form and in Your Benefits 2008. Once your child ceases to be an eligible dependent, you must initiate a termination of benefits via eTrac within 30 days of the event date that causes the ineligibility to remove your child from your medical and dental coverage and stop or change your payroll deduction.
Your child will be sent notification about the opportunity to continue coverage under the provisions of the Consolidated Omnibus Budget Reconciliation Act (COBRA). If COBRA is elected, the child may be covered under a continuation plan for up to 36 months by paying the full premium cost plus a 2% administrative fee. COBRA rights will be forfeited if Benefits is not notified within 60 days of the termination of the coverage. Claims will not be paid for an ineligible dependent beyond the end of the month in which the event occurs and premiums paid for the ineligible child's coverage will not be refunded retroactively.
Dental coverage is not included in the medical plan; you will need to initiate a termination of benefits via eTrac to remove your dependent from your dental coverage.
Dental coverage is not included in the medical plan; you will need to delete your dependent from your dental coverage via eTrac.
Flexible Spending Accounts
You may initiate or change the amount of a health care FSA via eTrac within 30 days of the event that causes your child to cease to be eligible for coverage. To qualify as an eligible expense for the Dependent Care FSA, day care must be provided for an eligible dependent who is a child under age 13.
Life Insurance and Accidental Death and Dismemberment Insurance
Dependent, unmarried children may be covered under your life and Accidental Death and Dismemberment Insurance policies as either a "qualifying child" or "dependent child." If you already have dependent coverage for all your dependents, the ineligible child is not covered under the policy. If the child is your only covered dependent, you will need to submit a Benefit Cancellation Form deleting the dependent coverage from your policy. You may wish to review your beneficiary designation(s) and update if necessary.
« back
1
2
3
4
5
6
7
8
9
next »
·
·
·
·
·
·
·
·
·
·
·
|
