Page 15 - 2017 Benefits Enrollment
P. 15
2017 BENEFITS ENROLLMENT
Dependent Eligibility
Dependents Rules for Medical and all other Beneit Plans
Your spouse Your spouse must be your legally married spouse
Your domestic partner A domestic partner for whom you have provided
a Domestic Partner Afidavit
Dependent children up to their 26th birthday
regardless of full-time student status, residency,
Your or your spouse’s/ inancial support, or marital status
domestic partner’s Important note:
child(ren)
Adult dependent’s children and spouse are
not eligible for coverage
Important Notes
1) The term children includes: natural children, stepchildren, legally adopted
children, children placed in your home while waiting for inalization of
adoption, and children for whom you or your spouse have been awarded legal
guardianship .
2) If both you and your spouse/domestic partner work for Thompson Coburn, you
cannot be both a participant and a dependent under the Thompson Coburn
beneit plans. In other words, you can either both enroll in employee-only
coverage OR one of you can enroll in employee + spouse coverage . Similarly, if
you have children, they can only be covered by one of you .
Healthcare Reform and Adult Children Covered
by Your HDP Under the Patient Protection and
Affordable Care Act (PPACA)
Adult children up to age 26 can be covered by their parent’s HDP and
use funds from the parent’s HSA. However, if the adult child is self-
supporting or doesn’t qualify as a tax deduction, that child can’t use funds
from the parent’s HSA. Single adult children who have coverage under a
parent’s family HDP can open their own HSAs and contribute up to the
yearly family maximum—$6,750 for 2017 (spouses have to split the family
maximum contribution; adult children are not spouses, so they can each
contribute the entire family maximum to their own HSAs).
Thompson Coburn LLP 15
Dependent Eligibility
Dependents Rules for Medical and all other Beneit Plans
Your spouse Your spouse must be your legally married spouse
Your domestic partner A domestic partner for whom you have provided
a Domestic Partner Afidavit
Dependent children up to their 26th birthday
regardless of full-time student status, residency,
Your or your spouse’s/ inancial support, or marital status
domestic partner’s Important note:
child(ren)
Adult dependent’s children and spouse are
not eligible for coverage
Important Notes
1) The term children includes: natural children, stepchildren, legally adopted
children, children placed in your home while waiting for inalization of
adoption, and children for whom you or your spouse have been awarded legal
guardianship .
2) If both you and your spouse/domestic partner work for Thompson Coburn, you
cannot be both a participant and a dependent under the Thompson Coburn
beneit plans. In other words, you can either both enroll in employee-only
coverage OR one of you can enroll in employee + spouse coverage . Similarly, if
you have children, they can only be covered by one of you .
Healthcare Reform and Adult Children Covered
by Your HDP Under the Patient Protection and
Affordable Care Act (PPACA)
Adult children up to age 26 can be covered by their parent’s HDP and
use funds from the parent’s HSA. However, if the adult child is self-
supporting or doesn’t qualify as a tax deduction, that child can’t use funds
from the parent’s HSA. Single adult children who have coverage under a
parent’s family HDP can open their own HSAs and contribute up to the
yearly family maximum—$6,750 for 2017 (spouses have to split the family
maximum contribution; adult children are not spouses, so they can each
contribute the entire family maximum to their own HSAs).
Thompson Coburn LLP 15
