Coverage End Dates for Dependents

This page 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

Health Insurance

Spouse — End of the month in which marriage is terminated by divorce or annulment, or to the end up the month in which the continuation notice is provided to the divorced spouse, if family premium continued to be paid, whichever is later.

Domestic Partner — End of the month in which ETF receives Affidavit of Termination of Domestic Partnership.

Child — See Adult Children's Eligibility For Health Insurance and State Group Health Insurance 2012 Reference Guide, p. 38.

Coverage for a stepchild ends at the end of the month in which marriage is terminated by divorce or annulment, or to the end up the month in which the continuation notice is provided to the divorced spouse, if family premium continued to be paid, whichever is later.

Coverage for a Domestic Partner's child ends at the end of the month in which ETF receives Affidavit of Termination of Domestic Partnership.

Coverage for a grandchild ends at the end of the month in which your child (parent of grandchild) ceases to be an eligible dependent or at the end of the month in which your child turns age 18, whichever occurs first.

Employee Responsibility:

  • Respond to annual questionnaire from health plan regarding adult child's eligibility and tax status.
  • Submit a Group Health Insurance Application to change to Single Coverage or to remove ineligible dependent from plan.

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.

Employee Responsibility:

  • No action is needed to remove an ineligible dependent from the plan.
  • Submit a State Group Life Insurance Application to cancel Spouse & Dependent Plan once the final dependent is no longer eligible AND there is no spouse to cover.

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.

Employee Responsibility:

Dental and Excess Medical (EPIC)

Coverage for a dependent ends on the following dates:

  • Children — The end of the month in which the dependent turns age 26, if unmarried and covered under the parent's base health plan.
  • Spouse — The date of divorce or annulment.
  • Stepchildren — The date of divorce or annulment.
  • Domestic Partner — The date the domestic partnership ends.
  • Domestic Partner's Children — The date the domestic partnership ends.

Employee Responsibility:

  • Submit a Dental & Excess Medical Application to remove an ineligible dependent from the plan.
  • The Office of Human Resources will determine if a change in coverage level / premium is appropriate.

Dental Insurance

Coverage for a dependent ends on the following dates:

  • Children — The end of the month in which the child reaches age 26, if unmarried.
  • Grandchildren — The end of the month in which the grandchild's parent (your dependent child) reaches age 18.
  • Spouse — The end of the month in which the divorce is final.
  • Stepchildren — The end of the month in which the divorce is final.
  • Domestic Partner — The end of the month in which the Termination of Domestic Partnership form is filed.
  • Domestic Partner's Children — The end of the month in which the Termination of Domestic Partnership form is filed.

Employee Responsibility:

  • Submit a Dental Insurance Application to remove an ineligible dependent from plan.
  • 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.

Employee Responsibility:

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.

Employee Responsibility:

Vision Benefits

Coverage for a dependent ends on the following dates:

  • Children — The end of the month in which the child reaches age 26, if unmarried.
  • Spouse — The end of the month in which the divorce is final.
  • Stepchildren — The end of the month in which the divorce is final.
  • Domestic Partner — The end of the month in which the domestic partnership is dissolved.
  • Domestic Partner's Children — The end of the month in which the domestic partnership is dissolved.

Employee Responsibility:

  • Submit a Vision Plan (VSP) Application to delete an ineligible dependent from the plan.
  • The Office of Human Resources will determine if a change in coverage level / premium is appropriate.