Do your Unum policies offer coverage for dependent children?
If so, you might consider conducting a dependent eligibility review. This process often encompasses all core benefits including medical and dental but can help keep your employees from overpaying premiums on their Unum coverage, too.
Dependent children may no longer be eligible for insurance coverage for different reasons — student status, marriage and, most often, reaching a certain age specified by their plan. A dependent eligibility review is simply a reminder to employees to review their coverage documents, determine whether their dependents are still eligible and remove any ineligible dependents.
To make this process easy for you and your employees, Unum has provided a few simple instructions and all the required materials to help HR plan administrators perform a dependent eligibility review of Unum coverage with their company’s employees.
Unum has created this dependent eligibility flyer for Group Life/AD&D coverage to make it easy for employees to contact their HR plan administrator if they need to change or remove dependents. The plan administrator then adjusts the employee’s premium payroll deductions when his or her youngest child is no longer eligible.
Feel free to provide this dependent eligibility flyer for voluntary coverage to employees. It reminds them to contact Unum when their dependents are no longer eligible.
To remove dependent coverage, employees will need to complete this removal of dependent children coverage form — which they can obtain by using the contact information on the voluntary flyer. Or, HR plan administrators are welcome to print and share this form with their employees. If employees have questions about this form or need clarification regarding child eligibility, please have them contact Unum at 1-800-635-5597.
It’s important to be aware that dependent coverage may continue for handicapped, disabled or incapacitated children — even if they are over the usual age limit. Employees should check their policy for specific details to ensure they submit any required documentation in a timely manner.
If you have any questions, our service specialists are available to help you at 1-800-ASK-UNUM (1-800-275-8686).