Benefits-eligible dependents can include:

  • Your legal spouse of the opposite or same-sex
  • Your common-law spouse of the opposite or same sex (affidavit required)
  • Your domestic partner of the opposite or same sex (affidavit required)
  • Your child* up to the end of the year in which they turn age 26 
  • Your child* age 26 or older who is enrolled in an accredited educational institution as a full-time student
  • Your disabled child* age 26 or older who is unmarried, claimed as a dependent on your tax return and receiving benefits from Medicare or the Social Security Administration due to disability.

A child is defined as your natural child; stepchild or domestic partner’s child; legally adopted child or child placed in your home for the purpose of adoption; your foster child; your child for whom you have legal guardianship; or your natural child for whom a court order to be covered.

Eligible children may be covered through Dec. 31 of the year in which they reach age 26 without tax implications. Coverage for children who are full-time students or disabled can continue as long as they continue in that status. however, there are tax implications for those who do not qualify as tax dependents per IRS rules.

More Information on Verifying your Dependents