i have a daughter from a previous relationship who is 7. I just recently had my second child, who is 4 weeks old. Her father is adding her to his insurance and we were wondering if he can add my oldest daughter too? We aren't married, yet.. but we do live together and he totally supports all of us. I dont even recieve child support from my oldest daughters dead-beat dad.. so everything financially is on us. I dont have insurance- so my daughter just had medicaid- the insurance he can get through his work is soo much better. Anyways- can he add her as anothe dependant child to his insurance????
2007-03-19 08:05:29 · 9 answers · asked by Anonymous in Business & Finance ➔ Insurance
It depends upon the company's policies. Some allow people to add any sort of "dependant" whether it be an unmarried partner, step child, etc.
Some won't cover anyone who is not a "legitimate" family member.
All he can do is call up and ask!
2007-03-19 11:02:38 · answer #1 · answered by Anonymous · 0⤊ 0⤋
He cannot add your daughter onto his insurance because, even though you and he live together, he is not her step-father. He can add your second child, provided he is the father. Your oldest daughter can be added on if and when the two of you get married.
2007-03-19 08:21:15 · answer #2 · answered by Insurance Biz CT 5 · 0⤊ 0⤋
I'm sure it will vary from one state to another, but I am positive that the majority of insurance companies will require that you are married before he can add your daughter as a dependent. Be sure and add your daughter to the plan with yourself withing 30 days of getting married. Otherwise, you will most likely have to wait until the plan is up for renewal to get coverage.
2007-03-19 10:55:54 · answer #3 · answered by nurse ratchet 6 · 0⤊ 0⤋
Probably not.
Family benefits apply to spouses and both parents' minors who are legal dependents by blood or adoption. Your 7 year old daughter is not a legal dependant of your second child's father as she has not been adopted by him, and does not qualify as the child of a spouse because you arent married.
Would be different if you were married. The next answer is from a woman who is married. Her answer does not apply in your case.
2007-03-19 08:13:29 · answer #4 · answered by Anonymous · 1⤊ 0⤋
It all depends.
The laws will vary by state. But in general, the insurance company will deny coverage for either you or your child by a previous marriage since you are not married to this man. There are a few exceptions; however, you'd have to ask the plan adminstrator at his workplace to be certain.
Once you are married, they cannot deny coverage under Federal law.
2007-03-19 08:26:43 · answer #5 · answered by ISOintelligentlife 4 · 0⤊ 0⤋
If you are not married, probably not. Most company's do not recognize live-in partners or common law marriages. He would be able to add her if he adopted her. Then she is legally his child and the company would recognize her and cover her. So, your choices are get married or have your boyfriend adopt her.
I would have him check with his company and see if they would be willing to cover her if he pays her insurance premiums. Some companies will do that. He needs to go to Personnel or Human Resources and talk with them about his options.
2007-03-19 08:21:53 · answer #6 · answered by ? 7 · 0⤊ 0⤋
Probably not - because she isn't his step child, "yet". If you do get married, you can add step children. He'd need to adopt her before he can add her, if you aren't married.
2007-03-19 08:35:28 · answer #7 · answered by Anonymous 7 · 0⤊ 0⤋
Yes unless the insurance provider specifically has a policy excluding this addition. My husband added my son who is mine by a previous relationship.
2007-03-19 08:14:08 · answer #8 · answered by stephani.bayhylle@sbcglobal.net 2 · 0⤊ 2⤋
Stepchildren *are* criminal kinfolk. they are the youngsters of your spouse. in case your spouse is area of your kin, with assistance from definition (and in accordance to IRS tax regulation) her little ones are too. they are supported with assistance out of your kin income. They *are* your kin.
2016-11-26 22:47:44 · answer #9 · answered by ? 4 · 0⤊ 0⤋