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This page can be found on the web at the following url:
http://www.opm.gov/insure/lifeevents/le2a.asp

Insurance Programs

Life Events

My child under 22 got married.

Health  |  Dental or Vision  |  Life  |  Flexible Spending Accounts  |  Long Term Care
Health – Federal Employees Health Benefits (FEHB) Program

Married children are not eligible family members under the FEHB Program.

When your child under 22 gets married, he/she is no longer an eligible family member. Your child's coverage continues at no cost for 31 days after the enrollment terminates. Your child is also eligible to enroll in Temporary Continuation of Coverage (TCC) or to convert to an individual policy with your carrier.

If your child is interested in TCC, you must contact your Human Resources Office and inform them your child married. After your notification, your Human Resources Office will give you information about enrolling your child for TCC. Your child has 60 days from the later of (1) the date of marriage or (2) the date of the TCC notice from the Human Resources Office to request enrollment for TCC. For more information about TCC, please review the TCC coverage pamphlet.

When your child's enrollment terminates, he/she is entitled to convert to an individual policy offered by the carrier of your plan. Your child is not required to provide evidence of insurability. To apply for conversion, you or your child must make a written request to the carrier of your plan. You or your child must apply for conversion within 31 days after his/her coverage as a family member terminated.

Dental or Vision – Federal Employees Dental and Vision Insurance Program (FEDVIP)

Once your child is married, he/she cannot be covered as an eligible dependent under your FEDVIP enrollment.

If you have him/her listed as your "One" under a Self Plus One enrollment or under your Self and Family enrollment, you must remove him or her from your FEDVIP enrollment immediately through your BENEFEDS account at www.BENEFEDS.com. However, even if you do not remove him/her from your account, he/she is not covered and you are responsible for any benefits paid in error on his/her behalf.

If the marriage means your coverage should now be a Self Only or Self Plus One enrollment, you can decrease your enrollment type from 31 days before to 60 days after your child's marriage as a Qualifying Life Event at www.BENEFEDS.com. Don't miss these dates, or you will have to wait until the next Federal Benefits Open Season to make the change and may be paying a higher premium for coverage you cannot use.

If you do not have access to a computer, call BENEFEDS at 1-877-888-FEDS (3337), TTY 1-877-889-5680.

Life – Federal Employees' Group Life Insurance (FEGLI) Program

Your child is no longer eligible. A “family member” is defined as an unmarried dependent.

Flexible Spending Accounts – Federal Flexible Spending Account Program (FSAFEDS)

This event does not allow you to enroll in FSAFEDS or change a current election.

Long Term Care – Federal Long Term Care Insurance Program (FLTCIP)

This does not affect their eligibility to apply or their coverage (if already enrolled).