Does your insurance cover your child aged 21 and over?

Your group insurance provides you and your family with health, disability and life insurance coverage, usually up to age 21.* But if your children aged 21 and over are studying full-time, they may still remain eligible for your group insurance, subject to certain conditions.

Here is some important information about group insurance eligibility for your children ages 21 and over.

Eligibility requirements

In order for your child aged 21 and over to remain eligible for your group insurance plan, he or she must attend a recognized educational institution on a full-time basis, not be married and be under 26 years of age.

Confirmation of student status

It is your responsibility to confirm the full-time student status of your child aged 21+** at the start of each school year.

Written evidence, such as proof of payment of tuition fees, sent by secure messaging, or a call to our customer service department, may be enough to confirm status, although additional information or evidence may be requested to complete the file.

If your children are studying abroad, you need to confirm their full-time student status every year, even if they’re under 21 years of age. If you like, your insurance company can provide you a customized letter confirming insurance coverage for the duration of their stay outside their province of residence.

Staying up-to-date

It’s important to adjust your insurance coverage and benefits list based on your children’s ages and your family’s needs. If your family situation changes, such as through separation, the birth of a new child, or the end of your eldest child’s full-time education, be sure to notify your plan administrator and adjust your coverage to reflect these life events.

Questions?

Do you have group insurance with us? Note that you can contact us via email at groupinsurance@ia.ca or via secure messaging in My Client Space, a portal that also lets you submit documents to us securely.

You can also use our iA Mobile app to learn about health care providers, submit a claim, check the status of a claim, review your coverage and use your group insurance card.

* Some insurance companies cover children who are not full-time students up to age 18, while for other companies the limit is age 21.

** Note! Some group insurance policies stipulate that the student status must be confirmed from age 18 onwards.