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A 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:

Review benefits

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. 

Review COBRA information

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.

Find support

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.

Complete information about the Liberty Mutual Health, Employee Assistance Program, Insurance and Retiree Benefits Programs is included in the legal documents for each plan. As always if there are discrepancies between this information and the legal documents, the legal documents will govern. The Company reserves the right to change or terminate any plan, the terms of any plans, or cost-sharing arrangement at any time.
Terms & Conditions

The Liberty Mutual Benefits Portal (the “Site”) is operated by Fidelity Investments, and site content is provided by Liberty Mutual. The site contains information and resources about the U.S. compensation and benefits plans and programs offered to eligible employees of Liberty Mutual and its affiliates (the “Company”) and is intended for the Company’s active, regular, U.S. based employees (and certain retirees) and their dependents. Throughout the site, the terms “we,” “us” and “our” refer to the Company. The information and resources provided on and through the Site, including the text, graphics, images, and other materials, are provided as general information. The information and resources are not intended to provide specific advice to you or anyone else on any particular matter, including, but not limited to, the following: investment, tax, legal, retirement planning, insurance, financial, health, or similar advice. The Site should not be used or relied upon by you as a substitute for your own independent research or for professional advice regarding your own specific situation.

The Site is intended only for your personal non-commercial use, and you may not modify, copy, display, distribute, reverse engineer, or otherwise extract any source code, algorithms, methods, or techniques embodied in the Site.

The Site is provided on an "as is," "where is," "as available" and "with all faults" basis, without warranty of any kind, express or implied, including, without limitation, warranties of merchantability, fitness for a particular use, purpose, title, or non-infringement. In no event shall the Company be liable for any damages whatsoever, including, without limitation, consequential, incidental, special or indirect damages or other pecuniary loss, that result from use of or loss of use of the Site. The rights, exclusions, warranty disclaimers and limitations of liability under these Terms and Conditions operate to the benefit of the Company’s subcontractors, licensors, and vendors to the same extent that such provisions operate to the benefit of the Company.

Nothing on the Site is intended to create, or meant to be construed to create, a contract of employment between you and the Company or any of its affiliates or subsidiaries. The Company reserves the right to amend, modify, terminate or suspend the plans and/or programs described on the Site, in whole or in part, at any time for any reason without prior notice to, or consent by, employees.

The Site contains summary information about your benefits and compensation. The Site is not intended to cover the detailed compensation and benefit plan rules and exceptions that may apply. More information about compensation and benefit plans can be found in the summary plan descriptions, the official benefit plan documents, human resource records, and other documents governing these plans and programs and the terms of your employment ("Compensation and Benefits Documents"). Your compensation and benefits at the Company are subject to the terms and conditions of these various documents. In the event of a discrepancy or inconsistency between the content described on the Site and the official benefit plan documents, the terms of the official benefit plan documents control.

The Site may not reflect changes in your employment status that you recently may have experienced. The information on the Site will change over time due to changes in your participation in and eligibility for the Company’s compensation and benefits plans and programs.

This Site contains links to unaffiliated third parties. When following a third party link you leave this Site. The Company is not responsible for the accuracy or content of any of the information provided by third party sites, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third party technologies or programs. Your use of third party sites is governed by the terms and conditions and privacy policies of their respective owners. The terms, conditions and policies of the third party sites may differ from those described on this Site.

We also use tools, such as Google Analytics, on our website to help us analyze how you and other visitors use our website and to improve its functionality. We do not provide any personal information about you to Google Analytics and any information collected by Google is done anonymously without identifying an individual user. We do not associate information collected by Google Analytics with information you may have provided to us. For more information on Google Analytics, including how to opt-out, click here.

Liberty Mutual and Fidelity Investments reserve the right to amend the Terms and Conditions herein at any time, which shall become effective immediately.

The information contained herein has been provided by Liberty Mutual and is solely the responsibility of Liberty Mutual.

All trademarks and service marks belong to FMR LLC or Liberty Mutual respectively. Any third party trademarks, service-marks, or content appearing on this site are the property of their respective owners.

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