| Message |
Author |
|
 Posted: Mon Apr 20, 2009 5:08 pm Post subject: How long can my child be insured as my dependent ? |
|
|
| How long can my child be insured as my dependent ? Is it as long as the child unmarried or before the child reach certain age ? |
|
lucy77
New member
Joined: 14 Apr 2009
Posts: 19
11.83 Dollars($)
|
|
| Posted: Tue Apr 21, 2009 4:33 am Post subject: |
|
|
Hi Lucy, I think that your query is more pertinent to the health insurance. Please clarify if its related to health insurance or life.
Rupert |
|
RupertWBradson
Senior member
Joined: 05 Jul 2007
Posts: 703
131.50 Dollars($)
|
|
| Posted: Tue Apr 21, 2009 4:56 am Post subject: |
|
|
| Quote: | | How long can my child be insured as my dependent ? Is it as long as the child unmarried or before the child reach certain age ? |
The policy lingo would vary widely with the providers in defining the status of 'dependant children'. However, most would allow you to keep your child under your policy till he attains adulthood. Some insurer would also continue the coverage as long as the child remains full-time student.
However, more clarification from your side would definitely help us in being precise with our answers. Hope you would follow up with this thread. |
|
jeorge
Senior member
Joined: 07 Oct 2005
Posts: 808
132.58 Dollars($)
|
|
| Posted: Tue Apr 21, 2009 9:00 am Post subject: |
|
|
Hi,
| Quote: | | Some insurer would also continue the coverage as long as the child remains full-time student. |
Usually children are covered as 'dependents' under their parental policies that are provided through employers. Most of these policies wouldn't cover them once they have turned 19 unless they're enrolled in a full-time college course. These young people wouldn't fit into the criteria of applying for public programs e.g. Medicaid once they'd turn 19. Steven |
|
steven
Senior member
Joined: 02 Feb 2006
Posts: 1553
215.65 Dollars($)
|
|
| Posted: Tue Apr 21, 2009 12:57 pm Post subject: |
|
|
| Quote: | Q. What is the definition of an eligible family member for Option C?
A. Eligible family members for Option C, Family coverage include a spouse (including a valid common law marriage) and eligible dependent children. Eligible dependent children must be unmarried and under age 22, or if age 22 or over, incapable of self-support because of a mental or physical disability that existed before the child reached age 22.
Eligible dependent children include your natural children, adopted children, stepchildren (if they live with you in a regular parent-child relationship), recognized natural children and foster children (if they live with you in a regular parent-child relationship). Stillborn children are not covered.
If you have any questions about eligible family members, please consult your human resources office. That office is responsible for determining eligibility. |
above information can also be seen on the following link.
http://www.opm.gov/insure/life/faq/faqs-2.asp
Thanks. 
_________________
www.Parthaconsultancy.info
Its my personal website. |
|
amit
Senior member
Joined: 25 Jan 2009
Posts: 366
8.19 Dollars($)
|
|
| Posted: Tue Apr 21, 2009 8:28 pm Post subject: |
|
|
amit, if i'm not mistaken that info and link is for federal employees...  I don't see where Lucy asked about that...
Lucy what country/state are you in...and what 'type' of health coverage? private or group?
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
|
|
| Posted: Tue Apr 21, 2009 11:19 pm Post subject: |
|
|
| It depends on the insurance...but generally until they reach 18. However some insurance would allow them to stay on your policy depending on student status for longer. |
|
Chad
Member
Joined: 13 Apr 2009
Posts: 53
0.02 Dollars($)
|
|
| Posted: Wed Apr 22, 2009 2:09 pm Post subject: |
|
|
Jeorge, then I hope by 'attaining adulthood' you're actually referring to his turning 19..am I right!
_________________
Register Now to have your Insurance queries solved. |
|
anonymous00
Guest
|
|
| Posted: Wed Apr 22, 2009 3:18 pm Post subject: |
|
|
| Quote: | | amit, if i'm not mistaken that info and link is for federal employees... |
yes!! Lori!! it is applicable for federal employees.I hope that OP will give us more information about his query. 
_________________
www.Parthaconsultancy.info
Its my personal website. |
|
amit
Senior member
Joined: 25 Jan 2009
Posts: 366
8.19 Dollars($)
|
|
| Posted: Thu Apr 23, 2009 10:55 am Post subject: |
|
|
amit that is applicable ONLY for fed employees...other policy could very well read differently..policy that cover federal employees do NOT cover the rest of us.
I know my husbands group policy covered our daughter until she graduated from college as along as she maintained ''fulltime'' student status (and i had to PROVE that radomly about three times in that four years..12-15 hours i think) which made her about 22...however our son did not go to college the the last day of the month that he graduated from high school was his last day as a 'dependent' per the ins. contract, and he was without health ins (from his dad and i) from that point forward.
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
|
|
| Posted: Thu Apr 23, 2009 5:49 pm Post subject: |
|
|
hello all,
I think it may vary depending on where you live, but most times it is until they are 18 or 19 years old. If you need more information, I suggest you check with your provider. |
|
trhale99
New member
Joined: 23 Apr 2009
Posts: 1
1.31 Dollars($)
|
|
| Posted: Fri Apr 24, 2009 1:23 pm Post subject: |
|
|
| Quote: | | amit, if i'm not mistaken that info and link is for federal employees... Confused I don't see where Lucy asked about that... |
This is something that happens when we're in a hurry and don't have enough time to read the query properly. I guess Lucy was asking in a general perspective and amit presented her with whatever came to hand. 
_________________
Register Now to have your Insurance queries solved. |
|
anonymous00
Guest
|
|
| Posted: Sat Apr 25, 2009 3:08 pm Post subject: |
|
|
| Quote: | | however our son did not go to college the the last day of the month that he graduated from high school was his last day as a 'dependent' per the ins. contract, and he was without health ins (from his dad and i) from that point forward. |
So, then did you need to call up your carrier and tell them that it's over? Otherwise how'd they keep a tag of it?
_________________
Register Now to have your Insurance queries solved. |
|
BarbieL
Guest
|
|
| Posted: Mon Apr 27, 2009 4:43 am Post subject: |
|
|
Lucy77 has a tendency to throw up questions and not return.
Simply, without clarification, you can't answer this question.
InsTeacher  |
|
InsTeacher
Moderator
Joined: 13 Aug 2007
Posts: 1331
Location: Oregon, USA
118.58 Dollars($)
|
|
| Posted: Mon Apr 27, 2009 12:12 pm Post subject: |
|
|
| Quote: | | So, then did you need to call up your carrier and tell them that it's over? Otherwise how'd they keep a tag of it? |
Oh believe me they KNEW, He turned 18 a couple of months prior to graduation, they had sent out forms on him too that i had to prove he was in highschool...and supply the anticipated graduation date.... 
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
|
|
