Dependent

A dependent is a person, usually a family member, who qualifies for coverage under someone else’s insurance plan. Dependents are typically the spouse or children of the primary insured person, also known as the plan member or policyholder. Some plans may also cover other individuals who rely on the plan member for financial support, such as a common-law partner or a child with a permanent disability.

Insurance plans define eligibility criteria for dependents based on relationship, age, and, for children, student or financial status. Dependent children are usually covered up to a specific age, such as 21, or up to age 25 if they are full-time students. Disabled dependents who are financially dependent and unable to work may qualify for lifetime coverage if approved by the insurer.

Dependents receive many of the same benefits as the plan member, including health, dental, and vision coverage, though claim limits may apply per person or per family.

Example:

If you are covered under a family health plan, your spouse and children under age 21 are considered dependents and can claim eligible medical or dental expenses under your policy.

What to Watch For:

Always notify your insurer of any changes that affect dependent eligibility, such as marriage, divorce, adoption, or a child aging out of the plan. Proof of student enrollment or disability status may be required to extend dependent coverage. Failing to update dependent information may result in claim delays or loss of eligibility.