Insureds who have an unmarried child who is physically disabled and incapable of earning his/her own living as of the age of 19 may apply for Handicapped Dependent Coverage for their child.  Family coverage is required.

  1. Give the employee the Handicapped Dependent Application.
  2. The employee and dependent’s physician must complete the application and send it to the GIC.
  3. The GIC will review the application for eligibility and will notify the insured of its decision.
  4. The GIC sends periodic re-certification forms for continuation of handicapped dependent coverage to the employee.

If the child is not eligible for Handicapped Dependent coverage and is under age 26 and over age 18, he/she will be covered as a dependent age 19 to 26.


This information provided by the Group Insurance Commission .