Dependent Eligibility

Dependent eligibility defines who qualifies for coverage under your family health or dental plan. Dependents usually include a legal spouse or common-law partner and children up to a certain age, commonly 21 or 25 if enrolled full-time in school. Some plans extend coverage to disabled dependents beyond these ages.

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Knowing these criteria ensures continuous protection for family members and prevents claim denials due to ineligibility.

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Example:

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A plan may cover children until age 21, or until age 25 if they remain full-time students and are financially dependent.

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What to Watch For:

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Notify your insurer promptly of changes in marital status or dependents’ schooling to avoid gaps in coverage.