Employee and Retiree Service Center → Employees → Life Events → Child No Longer Dependent
Child No Longer a Dependent
When does my child become ineligible for coverage?
Your child is eligible for benefits coverage on your MCPS Employee Benefit Plan until:
- the end of the month in which he or she turns 26 for medical and
- September 30 following his or her 23rd birthday for dental, vision, and life insurance coverage
- he or she becomes a benefits-eligible employee with MCPS
Please see the Employee Benefit Plan Summary for additional details about dependent eligibility, including the necessary documentation to support your child's eligibility for coverage.
What action do I need to take?
If your child becomes ineligible for coverage due to age, no action is required. Coverage will automatically end on September 30 following his or her 23rd birthday for dental, vision, and life insurance coverare, and at the end of the month in which your child turns 26 for medical and prescription coverage.
If your child is hired by MCPS as a benefits-eligible employee, you must submit MCPS Form 455-20: Employee Benefit Plan Summary to drop him or her from your benefit plan.
What are my options for coverage when my child is no longer a dependent?
Your child may be eligible to continue coverage as provided under COBRA. You may continue coverage by paying the full cost of coverage plus a 2 percent administrative fee for a period legally-mandated by COBRA regulations (generally 18-36 months). MCPS does not share the cost of COBRA coverage. A COBRA rate chart can be found on the ERSC website. You will receive a qualifying event notice (QEN) from the MCPS third party administrator (Benefit Strategies) and additional information about COBRA coverage when your child's coverage ends.