Please update dependent information on the online portal as soon as any changes in your dependents’ eligibility occur. Newborns are not automatically added to your policy when they are born. Notice of a change must be received within 60 days. 

Dependent additions (newborns, adoptions, and marriages)

Newborn children are eligible as dependents the day they are born. Adopted children are eligible as dependents the day members receive legal custody over them. Newly married spouses of members are eligible on the day of marriage.

Legal documentation for newly added dependents may be required.

If notice of dependent eligibility is not received within 60 days, your dependent will be ineligible to elect benefits until our open enrollment date of January 1.

Dependents through age 25 are eligible

All children are eligible for benefits until they turn age 26. Covenant Benefits will send a letter to your home a few months in advance to remind you that your child will be removed from your policy and continuation of coverage is available. Your child may purchase continuation of coverage for up to 36 months after their 26th birthday if elected within 60 days of cancellation.

Disabled dependents

If you have a disabled child age 26 or older who is your legal dependent, please request a Disabled Dependent Certification form from Covenant Benefits to qualify for continuous coverage on your family health insurance plan.