MMC Benefits Handbook
You can cover:
- your biological child
- the child of a domestic partner
- your legally adopted child or child placed with you for adoption
- your stepchild
- a child for whom you or your spouse are the legally appointed guardian with full financial responsibility.
Note: Any child that meets one of the above eligibility requirements and who is incapable of self-support by reason of a total physical or mental disability as determined by the Claims Administrator may be covered beyond the date your dependent child turns age 26. For your child to be covered, your child must meet the following requirements:
- be dependent on you for maintenance and support,
- be unmarried,
- be under age 26, and
- if this is not your initial enrollment, and the child is incapable of self-support by reason of a total physical or mental disability as determined by the Claims Administrator, your child must be covered as a dependent under the Plan before the child attains age 26.
The Company has the right to require documentation to verify the relationship (such as a copy of the court order appointing legal guardianship). The Plan does not cover foster children or other children living with you, including your grandchildren, unless you are their legal guardian with full financial responsibility—that is, you or your spouse claims them as a dependent on your annual tax return.
How long can I cover my dependent child?
Generally, you can cover your child through the last day before your dependent child turns 26 years of age (through age 25). You may be able to extend coverage for your child after the month in which your child attains age 26, as long as your child is a disabled dependent child. Once your child reaches the maximum age for coverage or no longer meets the eligibility requirements (whichever comes first), you must remove your child from coverage.
If your child no longer meets the eligibility requirements above, you must contact Mercer Voluntary Benefits (provided by Mercer Health & Benefits Administration) at +1 800 225 2265, Monday - Friday, 8:00 a.m. to 9:00 p.m. Eastern time and Saturday, 8:00 a.m. to 2:00 p.m. Eastern time and you will be transferred to a MetLife GVUL Customer Service Representative who can assist you with removing your child from coverage. No refund of contributions and no benefit will be paid beyond the date eligibility ceases.
Can I cover my disabled child?
You can cover your disabled child over the limiting age of age 26. To cover your disabled child, your child must have been covered under the Plan before age 26. To be eligible for coverage, your child has to be an unmarried child incapable of self-support by reason of a total mental or physical disability as determined by the Claims Administrator, MetLife.
In order to register a child as disabled, you must complete the applicable MetLife form (contact MetLife GVUL for the form) for continuing coverage beyond the limiting age and return the form to MetLife. MetLife will review the request for disabled status and will notify you whether the child is determined as disabled. If approved, eligibility records will be adjusted to allow for coverage beyond the date in which your child attains age 26, as long as the child meets the remaining eligibility requirements.
My spouse or domestic partner also works for the Company; can we both cover our child?
If both you and your spouse or domestic partner work for the Company, only one of you (you or your spouse or domestic partner) can cover your child under the Plan. Also, your child has to meet the eligible child definition.
Can I cover my married child who is still dependent on me?
No, you can't cover a married child, even if the child is still dependent on you.
Can I cover my grandchild?
You can't cover your grandchild under the Plan unless you are the legally appointed guardian or you have legally adopted the child.
I am divorced and do not have sole custody of my child; can I still cover my child?
You can still cover your child under the Plan as long as the child meets the eligible child definition.