Eligible dependents? Here’s what you need to know!
Open enrollment provides an annual opportunity to review all of your benefit needs, and reviewing dependent eligibility should be on the list, too. The main thing to remember once you have narrowed down your dependents is that it’s critical to provide verification of your dependent’s eligibility.
To start, it’s good to know who qualifies as “eligible dependents.”
- Your legal spouse – As long as he or she is not covered as an employee under a Purdue plan. Upon a divorce, that person no longer qualifies as your eligible dependent. However, separated spouses are still considered married and thus continue to meet the eligible dependent qualifications.
- Your same-sex domestic partner (SSDP) – Upon termination of the relationship, that person no longer qualifies as your eligible dependent. See additional eligibility rules for same-sex domestic partners.
- Each of your dependent children (as defined by the IRS) – Until the child reaches his or her 24th birthday. However, there are a few exceptions to this rule:
- Medical and Vision: Children can be covered until reaching the end of the month of their 26th birthday; IRS dependency is not required. The Purdue Health Plans with HSA offer dependent child medical coverage up to the end of the month of their 26th birthday, but the associated health savings account allows dependent child reimbursement only if the child qualifies as your IRS dependent.
- Dental: Children can be covered until reaching the end of the month of their 26th birthday; IRS dependency is not required.
- Critical Care Insurance: Children are automatically covered at 25 percent of the insured amount until reaching the age of 26; IRS dependency is not required.
- Hyatt Legal: Dependent child (as defined by the IRS) can be covered until reaching the age of 26.
The term “child” includes any of the following until the child reaches the limiting age:
- A natural child;
- A step-child;
- A legally adopted child or a child legally placed for adoption;
- A child under your legal guardianship; and
- The child of your SSDP. (To cover the child of your SSDP, you must cover your SSDP on your insurance plan.)
Children who are physically or mentally incapable of self-support as determined by Anthem may continue on your Purdue health plan coverage beyond the normal age limit if the disability continues and the child remains unmarried. The child must already be covered under the plan and documentation must be on file within 30 days of issue date.
Documentation should be uploaded in the EBS portal.
If you have any questions about your eligible dependents, contact Human Resources at 49-42222, firstname.lastname@example.org or use HR Help, a secure web system that provides the best way to track and manage online requests for assistance.