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Eligibility

Who’s Eligible for Coverage

If you are enrolled in health care coverage, you may also enroll your eligible family members in medical, dental and vision coverage for 2025, provided they are:

  • Your legal spouse
  • Your natural child, stepchild or adopted child until they reach age 26
  • A child over age 26 who is disabled or incapable of self-sustaining employment
  • An eligible family member over whom you have court-appointed legal guardianship or conservatorship
  • An eligible family member recognized under a qualified medical child support order

You will be asked to confirm your family member’s eligibility status upon initial enrollment.

Covering a Disabled Adult Child

You may continue covering an eligible dependent child after age 26 if they:

  • Are totally and continuously disabled and incapable of self-sustaining employment by reason of mental or physical disability;
  • Meet the definition of a dependent by the Internal Revenue Service;
  • Were covered as an eligible family member under this plan immediately prior to their 26th birthday; and
  • Met the clinical definition of totally and continuously disabled before age 26 and continue to meet the clinical definition through subsequent periodic reassessments.

You may be asked to verify your disabled child’s disability on a periodic basis.

  • You need to ensure your enrolled family members are still eligible. If your family member is no longer eligible for coverage, you must notify a benefits representative. Failure to provide notification about a family member who is no longer eligible (for example, a former spouse) can result in your loss of eligibility for the health plans, and you will be required to reimburse the plan for any claims paid after the loss of eligibility for any ineligible person(s). You may also be subject to discipline up to and including termination of employment.

  • Ways to get help:
    • Contact a benefits representative at 833-776-9966.
    • In the Your Total Rewards portal:
      • Go to “Contact Us,” “General Information” and select “Chat With Us” to initiate a web chat (during customer care hours).
      • Schedule an appointment by selecting the Annual Enrollment tile from the home page and clicking “Need help with benefit choices?”
    • If you are unsure where to direct your question or inquiry, access the quick reference guide.

  • If you have a change in status, the window for making any benefits changes is 30 days for most events (new hire, birth of child, marriage, etc.). You will still have 60 days if you get a divorce, or if you/spouse/covered dependent gain or lose eligibility for Medicaid or Children’s Health Insurance Program (CHIP) coverage.

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