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  1. #1
    Join Date
    Dec 2009
    Posts
    4

    Default Putting an Adult Child on My Health Insurance

    Can i put my daughter on my medical insurance here at work and list her as an LDA. she is 37 years old works part time for a very small company who does not offer medical insurance. she has also as of 2 weeks ago been laid off. she has always lived with me and i understand that this is one of the criterias.
    thanks for your attention
    adriean

  2. #2
    Join Date
    Jan 2008
    Location
    Toledo, OH
    Posts
    16,307

    Default Re: Legally Domicile Adult

    That depends on your insurer's policies and procedures.

    Contact your plan's administrator.

  3. #3
    Join Date
    Jun 2006
    Location
    Massachusetts
    Posts
    24,521

    Default Re: Legally Domicile Adult

    Almost certainly not.

    It will, as Missy says, depend on your health insurance policy, but I have been administrating group health insurance policies for 30 years and I have never yet seen one where a 37 year old adult child could be covered on an employee's plan unless the child is either physically or mentally disabled to the point where s/he is incapable of self-care. This is the case even if she is living with you.

    Check with your HR department but do not be surprised if the answer is no.

  4. #4
    Join Date
    Dec 2009
    Posts
    8

    Default Re: Putting an Adult Child on My Health Insurance

    Some states such as New Jersey and New York are requiring group policies to offer coverage to single adult children up to a certain age. But generally that age is 29 or 30 unless the child is incapable of self support. Hopefully the insurance reform making its way through Congress will do something about the problem so that the United States joins the rest of the civilized world in offering universal coverage. The only problem is I see that many countries that have universal coverage ONLY provide coverage while in that country and not when traveling abroad. I for example have coverage through my employer and it is worldwide.

  5. #5
    Join Date
    Jun 2006
    Location
    Massachusetts
    Posts
    24,521

    Default Re: Putting an Adult Child on My Health Insurance

    This is what I do for a living. There is as yet no state that requires a group health plan to cover a 37 year old "child" as a dependent unless that "child" is incapable of self care.

  6. #6
    Join Date
    Apr 2007
    Location
    Il.(near StL,Mo.)
    Posts
    5,252

    Default Re: Putting an Adult Child on My Health Insurance

    Agree with cbg.

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