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Long-Term Disability Plan

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Long-Term Disability Plan: Medical Plan Insurance Coverage for Your Dependents

Long-Term Disability (LTD) participants cannot add dependents to their coverage at any time.

You can continue to cover dependents who are currently enrolled on your medical insurance plan or you can delete them from your coverage. If you delete dependents from your coverage, you cannot re-enroll them.

Medical insurance, prescription drug coverage, and/or dental coverage for your children can continue through the end of the month in which they turn age 25 provided they:

  • are not married;
  • continue to live primarily with you; and
  • are claimed as dependents on your income tax return.

Unmarried, disabled children who turned age 19 or age 25 can continue to be covered for both medical and dental insurance provided they:

  • are not married;
  • became disabled and were covered by a University medical insurance plan before reaching age 19;
  • are incapable of self-sustaining employment by reason of mental retardation or physical disability;
  • are dependent on you for support and maintenance; and
  • apply to continue coverage before the end of the month in which they turn age 19 or age 25.

 

Every effort has been made to ensure the accuracy of the benefits information in this site. However, if any provision on the benefits plans is unclear or ambiguous, the Benefits Office reserves the right to interpret the plan and resolve the problem. If any inconsistency exists between this site and the written plans or contracts, the actual provisions of each benefit plan will govern. The University in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. 

©2002 University of Michigan Human Resources and Affirmative Action | Benefits Office | Wolverine Tower - Low Rise G250, 3003 South State Street, Ann Arbor MI 48109-1278 | Phone (734) 763-1217, Fax (734) 763-0363