What is the maximum age for my child to qualify for coverage as a dependent under my group insurance policy?
If a group health plan or HMO offers coverage that insures dependent children of the employee, the policy must insure a dependent child of the employee at least until the end of the calendar year in which the child reaches the age of 25, if the child meets ALL of the following: a) The child is dependent upon the employee for support, and b) The child is living in the household of the employee or is a full-time or part-time student. The contract must also provide in substance that attainment of the limiting age does not terminate the coverage of the child while the child continues to be both: a) Incapable of self-sustaining employment by reason of mental retardation or physical handicap, and b) Chiefly dependent upon the employee for support and maintenance. PLEASE NOTE: This requirement does not apply to the small group Standard and Basic plans; however, the maximum age under these policies will be outlined in the insurance contract. Reference: Florida Statute 627.6562 and 641.
Related Questions
- Can my under age 26 dependent child who has enrolled through Temporary Continuation of Coverage (TCC) revert back to my plan?
- What is the maximum age for my child to qualify for coverage as a dependent under my group insurance policy?
- Does the provision for coverage of dependent children up to age 26 apply if the child is married?
