Friday, December 3, 2010

What is the age limit for a son or daughter to be covered on health insurance?

Several years ago I recall the news reporting that children could be carried on their parents' health insurance through age 25 without proof that they were a student. My son is a student, but I am still trying to find the law.
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There is no national law, and most states don't have such a law either. At least one state does have the type of law you are describing...however, even then there are restrictions on that coverage. For example, in New Jersey, according to state law a dependent can be left on the plan until age 30 if he/she meets certain criteria. Here are the requirements, from New Jersey's Department of Insurance website: http://www.state.nj.us/dobi/dependentsun… I thought I recalled hearing about a similar law for West Virginia, but a quick search online didn't turn up anything. You didn't mention what state you live in, but almost every state has no such law. So, its likely that you're out of luck. The student requirement is up to each employer to negotiate when they establish their benefit plan, and the rules for your benefit plan should be pretty cut and dry.
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