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 ?
Total Comments: 30
Posted: Fri Apr 24, 2009 01:23 pm Post Subject:
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. :)
Posted: Sat Apr 25, 2009 03:08 pm Post Subject:
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?
Posted: Mon Apr 27, 2009 04:43 am Post Subject:
Lucy77 has a tendency to throw up questions and not return.
Simply, without clarification, you can't answer this question.
InsTeacher 8)
Posted: Mon Apr 27, 2009 12:12 pm Post Subject:
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.... :roll:
Posted: Thu Apr 30, 2009 07:01 pm Post Subject:
It depends on the company, but most stop coverage at age 22 for health insurance.
Posted: Wed May 06, 2009 01:24 am Post Subject:
most of the insurance company stop the dependent health insurance coverage at the age of 18 or 22 or when the become a colledge student.
and that's true . the detailed difference depend on different compay and different terms what kind of insurance you are holding.
Posted: Thu Dec 31, 2009 11:33 pm Post Subject: health insurance
I read somewhere that the law changed in April of 2009 and and employee must allow a parent to cover a dependent on their group medical policy till age 25, even if they are not a full time student. Is this accurate.
Posted: Sat Jan 02, 2010 05:50 am Post Subject:
Coverage for dependent children varies according to the type of coverage and state law. In California law, there are different provisions for dependents in life and health insurance. And obviously, under federal law, group insurance continuation under COBRA is an entirely different matter.
State laws are merely the "minimum" requirements. Insurers are allowed to offer more generous provisions, but cannot narrow them. So where dependency is left behind at age 21 for life insurance, it can extend through age 24 in health insurance for an unmarried dependent child who is a full time student in a post-secondary educational program.
There's nothing to prevent an insurer from covering a child on a life rider through age 25 (as most riders do), or to age 30 on a health policy (which no one does to my knowledge).
But we're also on the precipice of Congress enabling the federal government to be in a position to tell health insurers that they cannot exclude preexisting conditions, deny coverage for persons with preexisting conditions, cannot charge more for persons with preexisting conditions (= everyone else paying higher premiums so as not to penalize the unhealthy) . . . who's to say that they won't dictate that non-disabled, unmarried dependents have to be covered until they get married or die of old age?
We haven't just stepped onto a "slipery slope", we're spreading the lubricant on well ahead of the slide.
Posted: Thu Jan 07, 2010 01:09 am Post Subject: Dependent insurance
Does an employer have to insure your children until they are 24 years old in michigan, if they are a full time student?
Posted: Thu Feb 04, 2010 05:09 am Post Subject: Policy terms
That would depend on the policy terms. There could be several factors which contribute to your child being termed as dependent. However, it is possible to insure your children till they are 24 if they are full time student.
Posted: Fri Apr 24, 2009 01:23 pm Post Subject:
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. :)
Posted: Sat Apr 25, 2009 03:08 pm Post Subject:
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?
Posted: Mon Apr 27, 2009 04:43 am Post Subject:
Lucy77 has a tendency to throw up questions and not return.
Simply, without clarification, you can't answer this question.
InsTeacher 8)
Posted: Mon Apr 27, 2009 12:12 pm Post Subject:
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.... :roll:Posted: Thu Apr 30, 2009 07:01 pm Post Subject:
It depends on the company, but most stop coverage at age 22 for health insurance.
Posted: Wed May 06, 2009 01:24 am Post Subject:
most of the insurance company stop the dependent health insurance coverage at the age of 18 or 22 or when the become a colledge student.
and that's true . the detailed difference depend on different compay and different terms what kind of insurance you are holding.
Posted: Thu Dec 31, 2009 11:33 pm Post Subject: health insurance
I read somewhere that the law changed in April of 2009 and and employee must allow a parent to cover a dependent on their group medical policy till age 25, even if they are not a full time student. Is this accurate.
Posted: Sat Jan 02, 2010 05:50 am Post Subject:
Coverage for dependent children varies according to the type of coverage and state law. In California law, there are different provisions for dependents in life and health insurance. And obviously, under federal law, group insurance continuation under COBRA is an entirely different matter.
State laws are merely the "minimum" requirements. Insurers are allowed to offer more generous provisions, but cannot narrow them. So where dependency is left behind at age 21 for life insurance, it can extend through age 24 in health insurance for an unmarried dependent child who is a full time student in a post-secondary educational program.
There's nothing to prevent an insurer from covering a child on a life rider through age 25 (as most riders do), or to age 30 on a health policy (which no one does to my knowledge).
But we're also on the precipice of Congress enabling the federal government to be in a position to tell health insurers that they cannot exclude preexisting conditions, deny coverage for persons with preexisting conditions, cannot charge more for persons with preexisting conditions (= everyone else paying higher premiums so as not to penalize the unhealthy) . . . who's to say that they won't dictate that non-disabled, unmarried dependents have to be covered until they get married or die of old age?
We haven't just stepped onto a "slipery slope", we're spreading the lubricant on well ahead of the slide.
Posted: Thu Jan 07, 2010 01:09 am Post Subject: Dependent insurance
Does an employer have to insure your children until they are 24 years old in michigan, if they are a full time student?
Posted: Thu Feb 04, 2010 05:09 am Post Subject: Policy terms
That would depend on the policy terms. There could be several factors which contribute to your child being termed as dependent. However, it is possible to insure your children till they are 24 if they are full time student.
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