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Sec 125 Plan & Adult Child Coverage

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Junior Member
What is the name of your state? IL

My company's open enrollment period for health care coverage was last Oct. During this period I chose the default option to keep my current coverage, but failed to see that I still had to declare my 20 year old daughter as a full time student. Because of this my company dropped my daughter from the plan effective Jan 1st. When I appealed this decision saying I didn't realize my daughter would be dropped from the plan if I selected the default option, my appeal was denied saying the plan had to operate under IRS Section 125 rules. I inquired about using the change in life status saying my daughter was now a full time student. I was informed that since she was also full time student last fall, there was no qualifying change in life status. So, my daughter gets dropped from insurance because I failed to declare her a full time student, and now I can't add her to the policy because she is a continuing full time student.

Is that how you would interpret the Section 125 guidelines? Do I have any other recourse?

Thank you.


I'm a Northern Girl
I think they're being a bit picky but under a strict interpretation of Section 125 rules, they are correct. No, there's no way you can force them to pick her up now.

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