University of Wisconsin–Madison

Child Loss of Dependent Status

Overview

Child eligibility rules vary by plan. Once your child is no longer considered your dependent for benefit purposes, you need to take action to remove your child from your benefit plans.

Eligibility Deadline

The completed application(s) must submitted within 30 days of the Date of Loss of Eligibility.

Beneficiary Designation

You should review and update your Beneficiary Designation(s) with each Qualifying Life Event.

Tax Withholding

Review and update your tax withholding exemptions, if necessary.

Accident Plan

Coverage for your child ends at the end of the month in which they turn 26 years old.

You will be notified up to 3 months in advance of your child losing eligibility for this plan. Your child will automatically be removed from your plan at the end of the month in which they turn 26.

Your child may continue coverage for up to 36 months by submitting a portability form and application to Securian within 60 days of the coverage end date or the receipt of continuation notice, whichever is later. You will receive a continuation notice from UW-Shared Services, Service Operations. Contact UW-Shared Services, Service Operations at serviceoperations@uwss.wisconsin.edu or (888) 298-0141 (7:45-4:30 p.m. Monday-Friday) if you do not receive one.

State Group Health, Supplemental Delta Dental, and DeltaVision

Coverage for your child ends at the end of the month in which they turn 26 years old.

You will be notified up to 3 months in advance of your child losing eligibility for this plan. Your child will automatically be removed from your plan at the end of the month in which they turn 26 years old.

Your child may continue coverage for up to 36 months by submitting the continuation notice and application to the Department of Employee Trust Funds (ETF) within 60 days of the coverage end date or the receipt of continuation notice, whichever is later. You will receive a continuation notice from the UW Shared Services. Contact the UW Shared Services at serviceoperations@uwss.wisconsin.edu or (888) 298-0141 if you do not receive one.

If your child is disabled when coverage would otherwise end, you may be able to keep the child insured under your plan. Contact your plan for more information.

Life Insurance

State Group Life

Coverage for your child ends at the end of the month in which they turn 26 years old.

If you have Spouse and Dependent coverage and this child was your last eligible dependent (you do not have a spouse or other eligible children), you should submit an application to cancel Spouse and Dependent coverage within 30 days of your child’s loss of eligibility.

Your child may convert coverage to an individual whole life insurance policy by submitting a conversion application to Securian within 31 days of the coverage end date. You can contact the UW Shared Services at serviceoperations@uwss.wisconsin.edu or (888) 298-0141 for a conversion application.

If your child is disabled when coverage would otherwise end, you may be able to keep the child insured under your plan. Contact Securian for more information.

Individual & Family Group Life (I&F)

Coverage for your child ends at the earliest of the following dates:

  • The end of the month in which the child marries, or
  • The end of the year in which the child is no longer dependent upon you for at least 50% of their financial support, or
  • The end of the year in which the child turns age 25.

If enrolled in Child coverage, and this child is your last eligible child, you should submit an application to cancel Child coverage within 30 days of your child’s loss of eligibility.

Your child may convert coverage to an individual whole life insurance policy by submitting a conversion application to Securian within 31 days of the coverage end date. You can contact the UW Shared Services at serviceoperations@uwss.wisconsin.edu or (888) 298-0141 for a conversion application.

UW Employees, Inc Life (UWE) and University Insurance Association (UIA) Life

These plans offer employee-only coverage.

Accidental Death & Dismemberment (AD&D)

Coverage for your child ends at the earliest of the following dates:

  • The end of the month in which the child marries, or
  • The end of the year in which the child is no longer dependent upon you for at least 50% of their financial support, or
  • The end of the year in which the child turns age 19 (or age 25 if full-time student).

If you have Family coverage and this child was your last eligible dependent (you do not have a spouse, domestic partner or other eligible children), you should submit an application to change to Employee Only Coverage.

Your child may convert coverage to an individual policy by contacting Zurich American Insurance Company at (800) 834-1959 (reference UW System Policy # GTU-8364005) within 60 days of the coverage end date. You can contact the UW Shared Services at serviceoperations@uwss.wisconsin.edu or (888) 298-0141 for a conversion application.

Income Continuation Insurance

This plan offers employee-only coverage.

Spending & Savings Accounts

Flexible Spending Accounts (FSA)

Health Care FSA: Typically, expenses incurred by your adult children until the end of the year in which they turn 26 are eligible for reimbursement.
Dependent Care FSA: Typically, day care expenses for children under 13 are eligible for reimbursement under your Dependent Day Care FSA.

You may decrease or cancel your Health Care and/or Dependent Day Care FSA election within 30 days of no longer being able to claim expenses related to the child. You must submit a Change of Election form to your HR contact to cancel or change your election.

Health Savings Account (HSA)

Your adult children must meet the IRS’ definition of a qualifying child or qualifying relative in order for their expenses to be considered eligible for reimbursement. This generally means that they need to be a tax dependent.

You can make changes to your contributions at any time.

Retirement Plans

UW 403(b) Supplemental Retirement Program (SRP)

You can enroll in or make changes at any time.

Wisconsin Deferred Compensation (WDC)

You can enroll in or make changes at any time.