FamilyA child is turning 26
If an employee’s child is turning 26 and is enrolled in their benefits for health, dental and/or vision, coverage automatically ends at the end of the month in which they turn 26. If the employee no longer has children under age 26 and is enrolled in Child Life Insurance, it’s the employee’s responsibility to remove this coverage.
Here are some steps to help with this process:
Coverage for a dependent child reaching age 26 will continue through the last day of the month in which their birthday occurs. If a dependent child is disabled, medical proof of the disability must be received by the appropriate claims administrator within 30 days after the last day of the month they turn age 26 for coverage to continue. If the employee no longer has children under age 26 and is enrolled in Child Life Insurance, they can either remove the coverage by initiating Child Dependent Loses Eligibility for Liberty Group Coverage in their BenefitConnect profile or by calling the Liberty Benefits Center at 1-800-758-4460. Call the Liberty Benefits Center at 1-800-758-4460 for more details.
When a child’s Liberty Mutual health, dental, and/or vision coverage ends upon reaching age 26, they then become eligible to continue coverage through COBRA. A COBRA packet from the BenefitConnect COBRA team will be mailed to the employee’s address on file within 30 days of the coverage end date.
The Work Life Solutions (EAP) Plan provides resources, immediate advice over the phone and referrals to online and face-to-face counseling. Employees receive up to 10 free visits per family member, per issue, each year. Log into the Portal to view the Work Life Solutions website and phone number.