Question: If a dependent loses coverge on their parents policy due to reaching the maximum age, is that a qualifying event to pick up coverage under their own employer?
Answer: Yes. See #4
List of Qualifying Events
- Change in legal marital status, including marriage, death of a spouse, divorce, legal separation and annulment.
- A change in the number of dependents, including birth, death, adoption, and placement for adoption.
- A change in employment status of the employee, or the employee’s or retiree’s spouse or dependent, including termination or commencement of employment, a strike or lockout, a commencement of or return from an unpaid leave of absence, a change in worksite, and a change in working conditions (including changing between part‐time and full‐time or hourly and salary) of the employee, the employee’s or retiree’s spouse or dependent which results in a change in benefits they receive under a cafeteria plan or health or dental plan.
- A dependent ceasing to satisfy eligibility requirements for coverage due to attainment of age, student status, marital status, or other similar circumstances.
- A change in place of residence of the employee, retiree or their spouse or dependent and the current carrier is not available.
- Significant cost or coverage changes (including coverage curtailment and the addition of a benefit package).
- Family Medical Leave Act (FMLA) leave.
- Judgments, decrees or orders.
- A change in coverage of a spouse or dependent under another employer’s plan.
- Open enrollment under the plan of another employer.
- Health Insurance Portability and Accountability Act (HIPPA) special enrollment rights for new dependents and in the case of loss of other insurance coverage.
- A COBRA‐qualifying event.
- Loss of coverage under the group health plan of a governmental or educational institution (a state’s children’s health insurance program, medical care program of an Indian tribal government, state health benefits risk pool, or foreign government group health plan).
- Entitlement to Medicare or Medicaid.
- Any other situations in which the group health or dental plan is required by the applicable federal or state law to allow a change in coverage.