This Ruling May Have Implications For Your University Of Michigan Benefits
The university has offered, and will continue to offer, benefits coverage for Other Qualified Adults and their children. ;However, the benefit provided to the OQA is taxable to the employee. With this ruling, legally married same-sex couples receive the same federal and state pre-tax benefits as opposite-sex married couples. This applies to medical, dental and vision benefits, when your covered spouse and/or your spouses children are enrolled in these benefits.
Enrolling An Adult Dependent With A Disability
April 16, 2015 by NDNRC
This week, the CMS Assister Newsletter addressed an important issue concerning the eligibility of an adult dependent with a disability. The question and answer as they appeared in the assister newsletter can be found below.
Q: If an adult dependent is over the age of 26 but is wholly dependent on a parent due to a disability, can the parent still carry them on a Marketplace plan?
Can I Drive My Parents Car Without Being On Their Insurance
If you regularly operate your parents vehicle, you should be listed as a driver on their policy even if you live at a different address. Should you borrow their car in an emergency or on a one-time basis with their permission, their insurance company could cover the vehicle for any damages you cause. It usually depends on the scenario, amount of damage, and the policys coverage limits.
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How Long Can I Stay On My Parents Car Insurance
There are no age limits when it comes to staying on your parents auto policy. Youre eligible to share an auto policy with your parents as long as your vehicle is kept overnight at your parents address. If you live at a different address than your parents, then you need your own policy assuming your vehicle is parked at your residence.
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Can My Boyfriend Or Girlfriend’s Child Be Added To My Health Plan Does It Make A Difference If We Are Living Together
Colleen King, CEO of Colleen King Insurance Agency in Los Angeles, says some individual health insurance plans will allow unmarried couples to be on the same plan, along with any legal dependents, if they are all living together or there’s a court order for the one partner to provide insurance for their child.
“Group health insurance also may allow the same, but it may vary by carrier and by employer. In some states, employers have the option to not allow same or opposite domestic partners to be covered,” says King.
Some health insurers give employers the option of whether or not to require that the relationship is a registered domestic partnership, she adds.
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Can I Claim My Parents As Dependents On My Health Insurance Plan
- Can I claim my parents as dependents on my health insurance plan?
The term “dependent” typically refers to someone’s children, spouse or domestic partner, but parents also may be covered in certain situations. However, their eligibility varies widely based on your insurance plan.
Parents who are 65 or older may be eligible for dependent status on your tax forms, but they generally are ineligible for dependent status on your health insurance plan. This is because they already are entitled to health coverage through the government-sponsored Medicare plan.
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To claim a parent as a dependent for health insurance purposes, you already must list him or her as a dependent with the IRS. To meet the IRS’ criteria, the parent must have earned less than $3,700 in the past year, and you must have provided at least half of the parent’s financial support for food, lodging, transportation and other basic necessities.
Can I Put My Girlfriend On My Health Insurance
April 1, 2015 By Rob Schwab
The short answer to this question is maybe. Whether or not you can add someone who is not your spouse to your existing health insurance depends largely on your insurance provider and the policy you hold. But there are circumstances that could help you qualify for such an addition. And with a little research, you should be able to find a way to make it happen. That said, unless you happen to work for a fairly forward thinking company that allows for the addition of partners to insurance, you might have to do a little digging to work out the details. Here are some options to consider if youre interested in adding your significant other to your health insurance policy without the aid of a legal facilitator
You should begin by speaking to your employer . Your HR representative should be able to help you determine if company policy allows for the addition of a domestic partner to your health insurance. If you are lucky enough to enjoy such an option, which is entirely at the discretion of the company you work for, you will likely have to provide some type of proof of partnership, such as a joint bill or joint ownership . If the company does not allow for this type of addition, or your health insurance isnt handled by your employer, your next step is to speak to a representative from your insurance provider.
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Who Can Be Added As A Dependent On My Health Insurance Plan
When you purchase a health insurance plan for yourself, you can get coverage that extends to your dependents; likewise, if youre an employer covering your workers, you can provide coverage for any dependents they have. If youre planning on purchasing a family health insurance plan to cover your dependents, its important to make sure you know theyre eligible to join your family health insurance plan before you make your final purchase.
Coverage Of Disabled Dependent Children
In order to continue coverage of an intellectually;or physically disabled dependent child beyond the 26th birthday, all of the following criteria must be met:
- The parent must apply for the waiver on or prior to the child’s 26th birthday;
- The intellectually;or physical handicap must be significant and render the child incapable of independent living and self-sustaining employment, and must be supported by medical records;
- The condition must exist on or prior to the 26th birthday;
- The parent must remain eligible;
- The parent must provide annual evidence of continued incapacity;
- There must not be a break in coverage after the 26th birthday under the parental policy.
Please Note: Under no circumstances may an employee enroll a sibling, cousin, parent or other dependent relative as a dependent.;Duke reserves the right to verify the eligibility of dependents covered by one of Duke’s health plans to ensure compliance with plan provisions and the appropriate payment of legitimate health claims. This supports Duke’s continued efforts to manage the increasing cost of health care. ;The verification may include a request for a birth certificate, marriage certificate, and/or the first two pages of your tax return.
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Your Sibling Must Be Your Legal Dependent
In order to add your brother or sister to your health insurance plan, he or she must be your legal dependent. In other words, your sibling must reside in your home and you must be his or her primary caretaker; he or she relies on you financially and you provide the care that your sibling needs to maintain a quality of life. For example, if your sister is disabled and you are her primary caretaker, you would be permitted to add her to your health insurance plan.
If You Are Pregnant And Do Not Have Health Insurance You Are Likely Eligible For Medicaid And/or Chip
Medicaid is a state-administered government program that most commonly provides healthcare coverage for low-income people, families and children, and pregnant women. Access the national Medicaid website, to see what your benefits are. Eligibility and benefits vary on a state-by-state basis, but typically include income, household size, disability, family status, and other factors.;;
The Childrens Health Insurance Program provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid. In some states, it may cover pregnant women.;
Many women apply for Medicaid after their baby is born, but dont realize all of the benefits of applying during the pregnancy. These include:
Prenatal care for the baby
Automatic coverage for your baby from birth to the 13th month with no application
Not sure where to begin? Set up a free appointment with a Healthcare Navigator. They will walk you through your eligibility for Medicaid and the plans on the marketplace. They can also answer questions about how the health insurance plans work and can help determine which one is best for you. Find your local Healthcare Navigator here. Hint: Try to work with an Assister rather than a Broker.;Learn more about Medicaid.;
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Health Insurance Marketplace And Private Insurance
As mentioned above, in many cases a dependent parent may be included in your health plan, if you have a private health insurance plan or a marketplace plan. But you do need to already be claiming each parent as a tax dependent. If you are doing that, you may be able to add a parent or parents to your Health Insurance Marketplace plan.
The federal government operates the Health Insurance Marketplace for residents in most states. Twelve states and the District of Columbia operate their own marketplaces for healthcare. The main difference between private health plans and marketplace plans if that some on the marketplace are subsidized. The states with their own marketplaces are California, Colorado, Connecticut, Idaho, Maryland, Massachusetts, Minnesota, Nevada, New York, Rhode Island, Vermont and Washington.
If you live in these states, you will need to check with your state marketplace to see if you may add a parent to your health plan. Or, speak with an agent to find out if a comparable private health insurance plan will cover your parents as dependents. Private health plans dont necessarily cost more than marketplace plans, especially if you do not qualify for a subsidy.
Things You Should Know
For covered dependents age 19-26 that are;getting married, and the effect on their;GIC health insurance coverage
Most dependents age 19 to 26 are covered under the insureds family health plan.; The Affordable Care Act allows coverage for your dependent up to age 26, whether or not they are married.; If your dependent age 19 to 26 is coverage under another status, such as full-time student, contact the GIC at;;for your dependents coverage options.
Dependents;turning age 26 health insurance options
If your dependent is turning age 26 and is a Massachusetts resident, he/she may purchase health insurance from the;Health Connector. ;If he/she lives out of state, contact the;Health Insurance Marketplace;for coverage information in that state. Alternately, he/she may elect GIC;COBRA coverage.
How to cover disabled children ages 19-26
Please note that in order for a dependent to apply for handicapped dependent coverage, he or she must meet one of the following conditions:
- became mentally or physically incapable of earning his/her own living prior to age 19; or
- became permanently and totally disabled and became so on or after age 19 and is under age 26.
- These dependents will only be covered until the last day of the month they turn 26.
If your dependent meets one of thee conditions, you must fill out a;Handicapped Dependent Application;and return it to the GIC.
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Reporting Changes For Your Dependents
It is your responsibility to notify ORS of any change in your status, or that of your family, that would result in ineligibility, or of coverage under any other group insurance including Medicare. We will adjust your premium deductions if necessary, but we cannot refund premiums that were withheld before the month in which you report the change.
To report changes, log in to miAccount, navigate to the Insurance Coverage section, make your changes, and mail us required proofs if necessary. You can also use the Insurance Enrollment/Change Request .
You can also use miAccount to add or change the name of someone on your health, dental, or vision insurance contract. If you’re adding a spouse due to marriage, be sure to send proof of marriage and birth. If you are adding a dependent due to birth or adoption, be sure to send proof of birth or adoption. Proofs are required within 30 days of the event so that the 6-month waiting period can be waived. If we do not receive the proofs on time, your request will be canceled.
Do not mail in original documents, as they will not be returned.
Can You Buy Life Insurance For A Disabled Person
My Mom just recently had a stroke and is totally dependent on me to take care of her. She has no life insurance or no money in case she is to die suddenly. I wanted to know if there are any insurance carriers out there that will cover her for term life insurance. She is only 55 years old.
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Adding Someone To Your Insurance
If you want to use your health insurance to pay for someone else, it is possible to add individuals to your plan. When signing up for insurance, go over their policy about adding your household members. If you are unsure who counts as a household member, it typically includes yourself, a spouse , and the dependents you claim.
There are additional specifics when it comes to figuring out your household. For instance, understanding who can be a dependent , how to file for a child dependent if you share custody, and more. Certain requirements exist for spouses as well, especially if they are separated.
Though you cannot add anyone you just live with like a roommate, it is possible to add a non-dependent to your health insurance if you wish for them to receive care. You can add a child that lives with you that you take care of as long as they are under the age of 21.
An additional means of changing your insurance plan to cover someone else is if certain life events occur. To use an example, if you have a baby, you typically get up to 60 days to add them to your health insurance plan. It is not generally possible to add an unborn child though, so you must wait until after the birth.
What you need to keep in mind about adding someone to your insurance is that if your spouse or child meets the requirements, you need to add them even if they are not in need of medical care and coverage.
Add A Newborn Or Adopted Child
If an employee;wants to enroll a newborn or child whom the;employee has adopted or has assumed a legal obligation for total or partial support in anticipation of adoption, the employee should submit the required forms as soon as possible to ensure timely payment of claims. If adding the child increases the premium, the required forms must be received no later than sixty days after the date of the birth, adoption, or the date the legal obligation is assumed for total or partial support in anticipation of adoption.
Newborn children may be enrolled in medical, vision, and dental coverage upon birth and adopted children may be enrolled when the school employee assumes legal obligation for total or partial support;in anticipation of adoption.
- If enrolling the;newborn in medical, vision and/or dental coverage, the child’s coverage will begin on the date of birth.;
- If enrolling a newborn in supplemental life or accidental death and dismemberment insurance, coverage begins on the 14th day after birth.
- If enrolling a newly adopted child, coverage will begin on the;date of placement or the date a legal obligation is assumed in anticipation of adoption, whichever is earlier.
If the school employee previously waived medical coverage, they must enroll in medical to add an eligible dependent to medical coverage.; Coverage for the employee;begins the first day of the month in which the event occurs.
School employee may…
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Adding Your Spouse As A Dependent
In most cases, adding a spouse to your health insurance plan is acceptable. After getting married, you usually have up to 60 days to enroll in a new plan, or add your spouse as a dependent.
Keep in mind that if you or your spouse have access to employer-sponsored health insurance, but choose to buy your own family plan on a health insurance exchange, you likely will not qualify for Obamacare subsidies. Check out eHealths other resources to learn more about how health insurance works with marriage. If you have questions, you can also talk to one of eHealths licensed insurance agents to discuss coverage options that might fit your familys needs.
Can I Add My Girlfriends Child To My Health Insurance
If you plan on marrying your girlfriend any time soon and has a child, you will have to think about their health insurance needs. Adding your girlfriends child to your plan isnt that easy, but it isnt impossible.
You will have to sign an affidavit, submit some documents, and prove your relationship too. The best way to do so is to contact the HR of your company and ask them what benefits your girlfriends child receives on your plan, and if thats even possible. Dont hide the truth because if any misleading information is later on exposed, you could lose the whole insurance.
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