Child Loss of Dependent Status

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. Child eligibility rules vary by plan.

You must submit an application to remove your child from your benefits within 30 days of the loss of eligibility.

Click on the benefit program below to see when your child loses eligibility, how to remove the child from your benefits and what options are available for your child to continue or convert coverage once eligibility is lost. Visit the Forms Page for all plan applications, forms, and brochures.

State Group Health Insurance

Coverage for your child ends at the end of the month in which he/she turns 26 years old.

You have 30 days from the date your child loses coverage to submit an application to remove your child from coverage. The change to your coverage will be effective the first of the month following the date your child turns 26.

Your child may continue coverage for 36 months by submitting a continuation form and application to the Department of Employee Trust Funds within 60 days of the coverage end date or the receipt of continuation form, whichever is later. Contact your institution’s benefits office for a continuation form.

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

EPIC Benefits+

Coverage for your child ends at the end of the month in which he/she turns 26 years old.

You have 30 days from the date your child loses coverage to submit an application to remove your child from coverage. The change to your coverage will be effective the first of the month following the date your child turns 26 years old.

Your child may continue coverage for 36 months by submitting a continuation form and application to EPIC Life Insurance Company within 60 days of the coverage end date or the receipt of continuation form, whichever is later. Contact your institution’s benefits office for a continuation form.

Dental Wisconsin

Coverage for your child ends at the end of the month in which he/she turns 26 years old.

You have 30 days from the date your child loses coverage to submit an application to remove your child from coverage. The change to your coverage will be effective the first of the month following the date your child turns 26.

Your child may continue coverage for 36 months by submitting a continuation form and application to EPIC Life Insurance Company within 60 days of the coverage end date or the receipt of continuation form, whichever is later. Contact your institution’s benefits office for a continuation form.

VSP Vision Insurance

Coverage for your child ends at the end of the month in which he/she turns 26 years old.

You have 30 days from the date your child loses coverage to submit an application to remove your child from coverage. The change to your coverage will be effective the first of the month following the date your child turns 26.

Your child may continue coverage for 36 months by submitting a continuation form and application to VSP within 60 days of the coverage end date or the receipt of continuation form, whichever is later. Contact your institution’s benefits office for a continuation form.

State Group Life Insurance

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

  • The end of the month in which he/she 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 19 (or 25 if full-time student).

If you have Spouse/Domestic Partner/Dependent 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 cancel Spouse/DP/Dependent coverage within 30 days of your child’s loss of eligibility. The change to your coverage will be effective the first of the month following your child’s loss of eligibility.

Your child may convert coverage to an individual policy by submitting a conversion form to Minnesota Life within 31 days of the coverage end date. Contact your institution’s benefits office for a conversion form.

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

Individual and Family Life Insurance

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

  • The end of the month in which he/she 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 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. The change to your coverage will be effective the first of the month following your child’s loss of eligibility.

Your child may convert coverage to an individual policy by submitting a conversion form to Minnesota Life within 31 days of the coverage end date. Contact your institution’s benefits office for a conversion form.

UW Employee’s Inc. Life Insurance

This plan offers employee-only coverage.

University Insurance Association (UIA) Life Insurance

This plan offers employee-only coverage.

Accidental Death and Dismemberment

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

  • The end of the month in which he/she 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 19 (or 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. The change to your coverage will be effective the first of the month following your child’s loss of eligibility.

Your child may convert coverage to an individual policy by contacting Zurich American Insurance Company at 1-800-834-1959 (reference UW System Policy # GTU-8364005) within 60 days of the coverage end date.

Income Continuation Insurance

This plan offers employee-only coverage.

Employee Reimbursement Account (ERA)

Health Care FSA

Typically expenses incurred by your adult children until they turn 26 are eligible for reimbursement. See the WageWorks website for a complete listing to child eligibility requirements.

Dependent Day Care FSA

Typically day care expenses for children under 13 are eligible for reimbursement under your Dependent Day Care FSA. See the WageWorks website for a complete listing of child eligibility requirements.

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 in Status form directly to WageWorks to cancel or change your election.

Tax-Sheltered Annuity 403(b) Program

You can enroll in or make changes at any time.

You should review your beneficiary designation(s) and update, if necessary.

Wisconsin Deferred Compensation 457 Program

You can enroll in or make changes at any time.

You should review your beneficiary designation and update, if necessary.

Wisconsin Retirement System

You should review your beneficiary designation and update, if necessary.

Tax Withholding

You should review your tax withholding exemptions and update, if necessary.

Every effort has been made to ensure this information is current and correct. This page does not guarantee enrollment or the ability to make changes to your benefits.