Know your benefits

Frequently asked questions about age 26 and age 29 health benefits

My dependent child is currently covered by my New York City health plan and the Welfare Fund. He will be turning 19 on June 6, 2010, and is a full-time college student. Can he be covered under the new legislation for 26- or 29-year-olds?

Welfare Fund: Your dependent child will automatically continue to be covered for Fund benefits until age 26. (No action required.)

NYC Health Plan Coverage: When you lose full-time dependent student status, you can buy COBRA benefits or purchase the NYS Age 29 plan until July 1, 2011. Effective July 1, 2011, your dependent child will be eligible to be covered on your Age 26 NYC health plan.

My dependent child turned 19 in March 2010. I purchased COBRA to continue his/her benefits since he/she is not a full-time college student. What effect does this new legislation have on his/her coverage?

Welfare Fund: He/she can continue to buy COBRA until Oct. 1, 2010, when he/she will receive Fund Age 26 coverage at no cost.

NYC Health Plan Coverage: As of July 1, 2010, he/she can continue to purchase COBRA or can purchase the NYS Age 29 coverage until July 1, 2011. At that time he/she will be eligible for coverage under your NYC health plan until age 26.

My dependent child is graduating from college in May 2010. What will happen to his/her health coverage?

Welfare Fund: Your dependent child will automatically continue to be covered for Fund benefits until age 26. (No action required.)

NYC Health Plan Coverage: When you lose full-time dependent student status, you can buy COBRA benefits or purchase the NYS Age 29 plan until July 1, 2011. Effective July 1, 2011, your dependent child will be eligible to be covered on your Age 26 NYC health plan.

My dependent child is a 26-year-old who is no longer eligible for the Federal Age 26 coverage. Is there any way to add him/her to my coverage?

Welfare Fund: Effective July 1, 2010, under the Age 29 plan, you can pay for the plan until the end of the dependent’s 29th year. (Members need to complete a Change of Status form with accompanying documentation and a separate application.)

NYC Health Plan Coverage: Effective July 1, 2010, under the Age 29 plan, you can pay for the plan until the end of the dependent’s 29th year.

My dependent child is 22 years old and is no longer a full-time student. Under this new legislation, is there a way to add my dependent child to my Welfare Fund and NYC health plan?

Welfare Fund: You can purchase the Age 29 coverage effective July 1, 2010, until Oct. 1, 2010. At that time, he/she will be eligible for Fund Age 26 coverage at no cost until his/her 26th birthday.

NYC Health Plan Coverage: Effective July 1 , 2010, under the NYS Age 29 coverage, you can pay the full premium until July 1, 2011. At that time he/she will be eligible for coverage under your NYC health plan until age 26.

I’ve been paying for COBRA for my dependent child since he/she graduated from college and he/she is now 23. Can I add him/her to my health insurance plans?

Welfare Fund: You can continue COBRA until Oct. 1, 2010, and then you can add your dependent child at no cost to your Fund Age 26 coverage.

NYC Health Plan Coverage: You can continue COBRA until July 1, 2011. At that time you can add the child to your policy under the Age 26 plan until his/her 26th birthday.

Read more: Know your benefits
Related topics: health benefits, benefits
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