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Coverage End Dates for Dependents

This chart provides an easy reference as to the end date of coverage for dependents on the various benefit programs offered at the University.

See also Disabled Dependent Provisions - All Plans

Benefit Plan Dependent Coverage End Date
Health Insurance

Coverage for dependent children ends on the earliest of the following dates:

  • The end of the month in which the child marries.
  • The end of the calendar year in which the child:
    1. Turns 19 while not a full-time student.
    2. Ceases to be a full-time student and is age 19 or older.
    3. Turns 25 while still a full-time student.
    4. Ceases to be dependent for support and maintenance.
  • The date eligibility for coverage ends either for the dependent or the subscriber.

Coverage for dependent children under 25 who drop out of school during the second semester (January-May) and who have all or most of their tuition refunded, are not eligible for coverage for that year until they are enrolled and attending school again.

Coverage for the grandchild ends at the end of the month in which your child (parent of grandchild) ceases to be an eligible dependent or becomes age 18, whichever occurs first. The grandchild is then eligible for continuation coverage.

ACTION:

  • Respond to Annual Student/Disabled Dependent Status Verification form timely; and
  • Submit Group Health Insurance Application to change to Single Coverage/Information Change Form to remove ineligible dependent from plan. Go to forms page to obtain form.
State Group Life Insurance

Coverage for dependent children ends the earliest of the following dates:

  • The end of the month in which the child marries.
  • The end of the calendar year in which the child:
    1. Turns 19 while not a full-time student.
    2. Ceases to be a full-time student and is age 19 or older.
    3. Turns 25 while still a full-time student.
    4. Ceases to be dependent for support and maintenance.
  • The date eligibility for coverage ends either for the dependent or the subscriber.

ACTION:

  • No action needed to remove an ineligible dependent from plan.
  • Submit State Group Life Insurance Application to cancel Spouse & Dependent Plan once final dependent no longer eligible AND no spouse to cover. Go to forms page to obtain form.
Individual and Family Group Life

Coverage for dependent children will end on the day immediately following the last day of the month in which the dependent child reaches 25, marries or becomes financially independent.

ACTION:

  • No action needed to remove an ineligible dependent from plan.
  • Submit Individual and Family Group Life Insurance Application to cancel Child Plan once final dependent no longer eligible. Go to forms page to obtain form.

Dental and Excess Medical (EPIC)

Coverage for the dependent child ends the earliest of the following dates:

  • The day immediately following the last day of the calendar year the child reaches age 19, if s/he is not a full-time student.
  • The day immediately following the last day of the calendar year the child no longer attends school as a full-time student.
  • The day immediately following the last day of the calendar year the dependent student reaches age 25.
  • The date the child marries or acquires comparable group coverage from EPIC.
  • The day immediately following the last day of the calendar year in which the child provides 50% or more of her/his own support, as determined by EPIC.

ACTION:

  • Submit Dental & Excess Medical Application to remove ineligible dependent from plan. Go to forms page to obtain form.
  • The Office of Human Resources will determine if a change in coverage level / premium is appropriate.
Dental Insurance

Coverage for the dependent child ends the earliest of the following dates:

  • At the end of the calendar years s/he reaches age 19.
  • The end of the calendar year s/he reaches age 25 if a full-time student.
  • The end of the month in which s/he ceases to be a full-time student.
  • At the end of the calendar month s/he marries.

ACTION:

  • Submit Dental Insurance Application to remove ineligible dependent from plan. Go to forms page to obtain form.
  • The Office of Human Resources will determine if a change in coverage level / premium is appropriate.
Accidental Death & Dismemberment

Dependent children are eligible for coverage through the end of the month in which they turn age 20 or the end of the month in which they turn 25, if full-time students. Further, a dependent child's coverage ends the first premium due date after losing eligibility in events of marriage, end of school or end of support dependency.

ACTION:

  • No action needed to remove an ineligible dependent from plan.
  • Submit Accidental Death and Dismemberment (AD&D) Application to change from Family Plan to Employee Only Plan once final dependent no longer eligible AND no spouse to cover. Go to forms page to obtain form.
Employee Reimbursement Account--Medical

Qualifying Dependents are defined as:

Medical Account

  • a U.S. citizen, national or a resident of the U.S., Mexico or Canada
  • have a specified family-type relationship to you
  • live in your household for more than half of the taxable year
  • are 18 years old or younger (23 years, if a full-time student) at the end of the taxable year and
  • have not provided more than one-half of their own support during the taxable year (and receive more than one-half of their support from you during the taxable year if a full-time student age 19 through 23 at the end of the taxable year).

Dependent Care Account

  • a U.S. citizen, national or a resident of the U.S., Mexico or Canada
  • have a specified family-type relationship to you
  • live in your household for more than half of the taxable year
  • are 12 years old or younger and
  • have not provided more than one-half of their own support during the taxable year.

ACTION:

  • Submit Employee Reimbursement Accounts (ERA) Application for Change in Status to remove ineligible dependent mid-plan year. Go to forms page to obtain form.
Vision Benefits

Coverage for children ends on the earliest of the following dates:

  • The end of the month in which the child:
    1. Ceases to be a full-time student
    2. Ceases to be dependent for support and maintenance
    3. Marries
  • The end of the calendar year in which the child:
    1. Turns 19 while not a full-time student
    2. Turns 26 while a full-time student
  • The date eligibility for coverage ends either for the dependent or the subscriber

ACTION:

  • Submit Vision Benefits (OptumHealth) Application to remove ineligible dependent from plan. Go to forms page to obtain form.
  • The Office of Human Resources will determine if a change in coverage level / premium is appropriate.

UW1150 04/08