Definition of Dependent Eligibility
for CBIA Medical and Dental Plans

Beginning January 1, 2009, a new Connecticut law allows parents to cover certain unmarried dependents up to age 26, under a parent's individual or group health insurance plan. Dependents must meet the following criteria to be enrolled and to qualify for the new age limit.

• Any natural, adopted or stepchild, for whom the member or spouse is the legal guardian
• Dependent must reside in Connecticut (unless a full-time student)
• Dependent must be unmarried
• Dependent must not be covered under their employer’s group insurance plan

What this means:

• Dependents will remain eligible for coverage until age 26*.
• The carrier may request verification of dependent residency and/or full-time student status at any time.
• The information furnished on the enrollment form will be used to verify dependent eligibility.
• Coverage will terminate prior to age 26 if the child marries, becomes covered under their own group health plan or moves out of state (unless a full time student).
• Disabled dependents will remain eligible for continued coverage beyond age 26 if approved by the health plan.

*Actual termination under new mandate will occur on the first of the month following 30 days from the dependent’s 26th birthday.
Example: A dependent who turns 26 on Feb. 15th will be terminated on April 1.

 

EE Resides	Dependent Resides	Full-time Student?	Dependent Eligible to Age 26?
CT	CT	n/a	Yes
CT	Non-CT	Yes	Yes**
CT	Non-CT	No	No. Dependent eligible only to age 19.
Non-CT	CT	n/a	Yes
Non-CT	Non-CT	Yes	Yes**
Non-CT	Non-CT	No	No. Dependent eligible only to age 19.

 

** Dependents who reside out of state may be required to furnish full-time student verification by the carrier.