U.S. Office of Personnel Management - Ensuring the Federal Government has an effective civilian workforce

It is your responsibility to know when a family member is no longer eligible for coverage - your agency will not notify you. Your child can be covered under your Self and Family enrollment until he or she marries or turns age 22. It does not matter whether he or she attends college. Your stepchildren and foster children are included in your Self and Family enrollment if they live with you in a regular parent-child relationship. An unmarried dependent child age 22 or over who is incapable of self-support because of a mental or physical disability that existed before age 22 is also an eligible family member.

When your child reaches age 22, 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 is turning age 22. After your notification, your Human Resources Office will give you information about enrolling your child for TCC. You have 60 days from the 22nd birthday to notify your Human Resources Office your child turned 22. Your child has 60 days from the later of (1) the 22nd birthday, 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 at www.opm.gov/insure/health/eligibility/tcc/.

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.

With one exception noted below, if your child turns 22 or marries, he/she is no longer eligible as a family member under your FEDVIP Self Plus One or Self and Family enrollment. There is no temporary continuation of coverage (TCC) or 31 day extension of coverage. Please log into your BENEFEDS account at www.BENEFEDS.com and remove your child from your enrollment immediately.

If your unmarried child is age 22 or older and incapable of self support due to a physical or mental condition that existed before age 22, your child may be eligible for continued coverage under your FEDVIP enrollment. Contact your FEDVIP carrier and ask for a determination concerning continued enrollment.

A child's eligibility for Option C benefits ends once he/she reaches age 22, unless he/she is incapable of self-support because of a mental or physical disability that existed before the child reached age 22. Please refer to the FEGLI Handbook for more information.

Call FSAFEDS at 1-877-FSAFEDS (372-3337), TTY: 1-800-952-0450 to discuss possible options.

FLTCIP coverage does not stop because a child turns 22. Your adult children (age 18 and over) are eligible to apply for FLTCIP coverage. If they are approved and enroll in the FLTCIP, their coverage will remain in effect, even beyond age 22, as long as they continue to pay premiums.