Department of Employee Trust Funds
September 19, 2012
2013 Dependent Eligibility
Single coverage covers only you. Family coverage covers those described
below. All eligible, listed dependents are covered under a family
Who is eligible as a dependent if I select family coverage?
- Your spouse.
- Your domestic partner if elected.
- Your children who include:
- Your natural children.
- Stepchildren or children of your domestic partner insured
on the policy.
- Adopted children and preadoption placements. Coverage will
be effective on the date that a court makes a final order granting
adoption by the subscriber or on the date the child is placed
in the custody of the subscriber, whichever occurs first. These
dates are defined by Wis. Stat. § 632.896. If the adoption
of a child is not finalized, the insurer may terminate coverage
of the child when the adoptive placement ends.
- Legal wards that become your permanent ward before age 19.
Coverage will be effective on the date that a court awards permanent
guardianship to you (the subscriber or your spouse or domestic
Note: Children may be covered until the end of
the month in which they turn 26. His/her spouse and dependents are
not eligible. Upon losing eligibility, they may be eligible for
Coverage may continue beyond that when children:
- Have a disability of long standing duration, are unmarried
and dependent on you or the other parent for at least 50% of
support and maintenance, and are incapable of self support;
- Are full-time students and were called to federal active duty
when they were under the age of 27 years and while they were
attending, on a full-time basis, an institution of higher education.
Note: The adult child must apply to an institution
of higher education as a full-time student within 12 months
from the date the adult child fulfilled his or her active duty
- Your grandchildren born to your insured dependent children may be covered until the
end of the month in which your insured dependent (your grandchild’s
parent) turns age 18. Your child’s eligibility as a dependent
is unaffected by the birth of the grandchild.
IMPORTANT NOTE: There are state and/or federal
tax consequences to you when you provide coverage for dependents
that do not meet the support test for federal income tax purposes.
An example is a domestic partner who is not dependent on you for
at least 50% of their support and maintenance.
Income Tables (Fair Market Value for Non-Tax Dependents)