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Post Info TOPIC: HR ladies, I have a dependent related question
BargainQueen


Marc Jacobs

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HR ladies, I have a dependent related question
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I dont want to get into the full details (long story)...but DH's mom & her DH moved outside the US and left DH's youngest (9yr old) brother in our care about 2 months ago.  It was her DH's family emergency and we had no time to go through the whole court system for a judge to name us official guardians.  Instead, MIL had a notarized letter made naming us his guardians and authorizing us to take c/o him, etc. etc....

Soooo...I want to add him to my health insurance.  DH's lil brother has been living with us since and we have made sure he has everything he needs....educational materials, tutoring, clothing, shoes, food...entertainment.  The only thing he doesnt have is health insurance and as active as he is, I'm afraid we'll be in a financial disaster if he does hurt himself during sports and he's not covered.

That said...generally speaking...I know rules vary...can he be added? I walked over a copy of the notarized letter to the HR office and the girl was not sure if they could accept the letter as proof.  She said they most likely would need a court order from a judge granting us custody. 

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Farrah


Marc Jacobs

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Nope. According to federal law, you have to have legal custody of him granted by the courts to add him as a dependant on your insurance. Your best bet is to find out if the courts will give you legal custody based on the notorized letter you have from his mother. Good luck!!

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BargainQueen


Marc Jacobs

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Darn! I guess we'll have to start the guardianship paperwork...

Thanks for the info!

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conet


BCBG

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I was an HR lady for 8 years.  You cannot add him without court guardianship papers.  However, you can buy the child an individual policy.  You should contact the sales office of the local HMO and see what they have to offer you.   You probably can find a policy with one well visit a year and a moderate deductible for under a hundred a month.  Children are cheaper to insure because statistically, they are generally healthy.  If the child doesn't have a lapse in coverage, he cannot be denied a policy.

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