|
|
|
|
Question and Answers on Coverage of Adult Children
|
|
|
Article Content
|
 |
|
|
You may enroll eligible adult children for coverage in your health plans during Open Enrollment. These adult children are any son, daughter, stepson, stepdaughter, foster child, adopted child, or child for whom an individual is legally obligated. Eligibility will not depend on marital, student, employment, residency, or tax status.
The child will be eligible for coverage through the end of the plan year in which the child attains age 26. The child is not eligible for coverage during the plan year when the child turns 27.
Questions on Coverage to Age 26 Beginning 2011
| Q | How do I add coverage for a newly eligible dependent? |
| A | Log in at https://pebb.benefits.oregon.gov/members. Add the dependent’s information in the dependents section. In the core benefits section select “Change” and follow the instructions. |
Q
| Will both spouses with insurance through their jobs be able to cover their 24-year-old child?
|
A
| Yes. PEBB-enrolled spouses may both cover the child.
|
Q
| Will I be able to cover my 25-year-old child who is disabled and uninsured?
|
A
| Yes. You can enroll the child for coverage beginning Jan. 1, 2011.
|
Q
| Will I be able to cover my 23-year-old child who is married and lives in another state?
|
A
| Yes. Eligibility applies regardless of marital, student, employment, residency or tax status.
|
Q
| Will I be able to cover my 22-year-old child who has coverage through his employer?
|
A
| Yes. Eligibility applies regardless of the child’s access to coverage through an employer.
|
Q
| Will I be able to cover my domestic partner’s children?
|
A
| Yes; however, you will still need to pay tax on the imputed value of the coverage
|
Q
| When my son turns 26 in September 2011, will he be dropped from coverage?
|
A
| No. Coverage will continue through the end of 2011, the year in which he turns 26.
|
Here are some additional examples of when a child is eligible or ineligible for coverage.
| | Eligible | Ineligible |
| My 15-year-old biological grandchild lives in my household, and I have legal custody. Is he eligible? |
X
| |
My 25-year-old, married child lives in Colorado. Is she eligible?
|
X
| |
My 18-year-old child has health coverage through his job and through my ex -- his dad. Is he eligible?
|
X
| |
Is my daughter in-law eligible?
| |
X
|
My daughter son and her biological child (my grandchild) live with me; she is not married and doesn't have a domestic partner, and Iprovide more than half of her and her baby's support. Are both my daughter and grandchild eligible?
|
X
| |
My 12-year-old grandson doesn't live with me. Is he eligible?
| |
X
|
I'm adopting a newborn who was just placed with me for adoption. Is the baby eligible?
|
X
| |
| My child will be 27 in 2011. Is he eligible for coverage next year? | |
X
|
| My 23-year-old step-daughter doesn't live with me and is not attending school. Is she eligible? |
X
| |
| My 83-year-old mother lives with me; I provide virtually all her support. Can I cover her in my benefits? | |
X
|
| I'm covering may 19-year-old daughter who has a three-year-old stepchild. Can I cover the stepchild, too? | |
X
|
| My eight-year-old sister lives with me, and I have legal guardianship. Is she eligible? |
X
| |
| My 10-year-old brother lives with me, and I don’t have a legal obligation to provide for his welfare. Is he eligible? | |
X
|
Questions on Retaining Current Coverage Beginning June 1, 2010
Beginning June 1, 2010, and through the end of the current plan year, PEBB retain scoverage for enrolled children to age 26 who would otherwise lose coverage under current eligibility rules.
Q
| Can I enroll a child for coverage in the current plan year if the child is age 19 to 26?
|
A
| You can enroll the child now only if the child meets current PEBB eligibility requirements
(see http://oregon.gov/DAS/PEBB/docs/SPD/subsections/DependentsEligibleforCoverage.pdf). If the child does not meet current eligibility requirements, you can enroll the child during Open Enrollment for coverage beginning Jan. 1, 2011.
|
Q
| When can I enroll my 19-year-old child if the child doesn’t meet current eligibility requirements?
|
A
| You can enroll the child during Open Enrollment with coverage beginning Jan. 1, 2011.
|
Q
| My currently covered child turned 24 years old in May; how can he continue coverage?
|
A
| The child may continue coverage through COBRA for the rest of this plan year as long as he enrolls within 60 days of losing other coverage and pays the premium. During Open Enrollment you can enroll the child for coverage beginning Jan. 1, 2011.
|
Q
| As a new hire, when I become eligible for PEBB in October, can I enroll my 24-year-old child?
|
A
| No; however, you can enroll the child during Open Enrollment for coverage beginning Jan. 1, 2011.
|
Q
| When my 23-year-old child turns 24 this November, will her coverage end that month?
|
A
| No. Coverage will continue.
|
|
|
|
|
|
|
|
|
|
|
|
|
|