Enrolling Your Dependents
Certain plans (medical, dental, vision, voluntary AD&D, supplemental dependent life insurance) allow you to cover your eligible dependents. In this event, if you are covered under a plan, you may also elect coverage for your spouse/LDA and your eligible dependent children.
Spouse/Legally Domiciled Adult
For medical, dental and vision coverage only, instead of covering a spouse, you may cover another qualified adult member of your household. A qualified adult member of your household is a LDA if he/she is an individual over age 18 who has for at least six months lived in the same principal residence as you, remains a member of your household throughout the coverage period, and who either:
(A) has a close personal relationship with the employee (not a casual roommate or tenant), shares basic living expenses and is financially interdependent with the employee, is neither legally married to anyone else nor legally related to the employee by blood in any way that would prohibit marriage, and is neither receiving benefits from an employer nor eligible for any group coverage, or
(B) is the employee’s blood relative who meets the definition of his or her tax dependent as defined by Section 152 of the Internal Revenue Code during the coverage period and is neither receiving benefits from an employer nor eligible for any group coverage.
In no event may you have medical, dental or vision coverage for both a spouse and a LDA.
There may be tax and other legal implications for those who elect coverage for a LDA. You are encouraged to consult with an attorney before electing LDA coverage. For more information visit the Frequently Asked Questions section of this site.
Dependent children include your natural children, legally adopted children, children for whom you are the legal guardian, stepchildren who are dependent on you for support, and children for whom you are the proposed adoptive parent from the date of placement.
Age requirements for your dependent children vary by plan. See the most recent version of the Benefits Guide for the most up-to-date age limitations.