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 2027, provided they are:
- Your spouse
- Your natural child, stepchild and adopted child until they reach age 26
- A child over age 26 who is disabled and incapable of self-sustaining employment
- A child for whom you have sole court-appointed legal guardianship or sole managing 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 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 termination of your coverage under the plan, 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 in certain cases involving fraud and rescission of coverage.
There are three ways to get help:
- Call a benefits representative at 833‑776‑9966 (Monday–Friday, 8 am–4 pm CT).
- Chat online: Go to the Your Total Rewards portal, select “Contact Us” > “General Information” > “Chat With Us” (Monday–Friday, 8 am–4 pm CT)
- Schedule an appointment: From the home page, click the Annual Enrollment tile and select “Need help with benefit choices?”
If you experience a change in status event, you have 60 days from the date of the event to make eligible changes to your benefits elections. This 60-day window applies to all qualifying events, including: new hire, marriage, birth or adoption of a child, divorce, gain or loss of eligibility for Medicaid or the Children’s Health Insurance Program (CHIP).
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