EMPLOYEE BENEFITS

Overview

What happens when you get married? What happens when you adopt or have a child? What happens when your dependent child no longer needs/is eligible for coverage? What happens when you begin a leave of absence or a sabbatical? Domestic Partner (Spousal Equivalent)

Preparing to Retire Terminating Employment COBRA

What happens when your dependent child no longer needs/is eligible for coverage?

Generally, the MIT Health & Dental Plans allow your eligible tax dependent to stay on until:

Health Plan - the end of the month your covered dependent turns age 25, until the child becomes eligible for coverage through another group plan, or marries.

Dental Plan - the end of the month your covered dependent turns age 25, until the child becomes eligible for coverage through another group plan, or marries.

Dependents' Continuation of Coverage

When your dependent child becomes ineligible due to age, gains coverage with another group plan, graduation, or leaves school, it is important that you contact us to ensure that you do not miss the deadline for your child to enroll in continuing coverage under the Consolidated Omnibus Budget Reconciliation Act (COBRA.)

The cost for this continuation of coverage is 100% cost of the plan with no MIT subsidy, as well as a 2% fee for administration. The premium payments are due monthly to avoid any interruption or involuntary cancellation of coverage. Your child may request this continuation for a maximum of 36 months and may cancel at any time by sending written request to the plan administrator.

In addition, as a result of this family status change, you may decide to change from family to individual health and/or dental coverage, as long as the child was the only dependent on your plan(s) at the time of loss of eligibility. To change your enrollment, use the forms in the box at right.

NOTE: A disabled dependent is covered on the plan for the duration of their dependency.

Please note that for all plans, you must meet the eligibility requirements for benefits participation. Please refer to the benefits eligibility chart to determine if you are eligible to receive employee benefits.

In addition, your dependent must be actively enrolled at the time of the loss of coverage in order to be eligible for coverage through COBRA.

Return to the full list of status changes.

Forms & Publications