Coverage Effective Dates for Dependents other than Newborn Children
Determining coverage effective date for dependents other than newborn children
A dependent’s coverage becomes effective on the date the dependent satisfies all eligibility requirements, provided timely application is made.
If application is not made within 31 days after the dependent first becomes eligible, in most cases coverage will become effective on the first billing due date following our receipt of the employee’s application for the dependent coverage, provided the dependent’s evidence of insurability is approved.
Dependent coverage can never become effective before the employee’s coverage is effective.
A dependent child’s life insurance can never become effective before the child is 15 days old (unless stated otherwise in the group certificate).
If a dependent is an inpatient on the day before the date coverage would otherwise become effective, the dependent’s effective date will be delayed until a period of 3 consecutive days has passed during which the dependent has not been an inpatient.
Special rules apply if the employee’s application for non-contributory dependent coverage (where the employee does not contribute toward the premium) is not submitted within 31 days after the date when the dependent becomes eligible. In that case, the dependent coverage will become effective on the first billing due date following the date the employee became eligible for dependent coverage. A retroactive premium charge will be assessed. Evidence of insurability will not be required.