my sister doesn't have a job and of course her and her daughter doesn't have health insurance. she asked me to put her daughter on mine. i don't have a problem with this but can i actually do it?
2007-11-06 02:29:15 · 7 answers · asked by momof1583 1 in Business & Finance ➔ Insurance
No, you can't add your niece to your health insurance policy just because her mom doesn't have health insurance.
I work on dependent audits and can tell you that you'll almost certainly get caught eventually if you do this. In a dependent audit, you'll be asked for some combination of documents such as a copy of her birth certificate showing you as the parent, your most recent tax return showing that you claim her as a dependent, court documents showing that you are her legal guardian and/or are in the process of adopting her, school registration records showing that she resides at your address, etc.
If you can't provide documentation for a dependent audit, best case scenario is that she'll just get dropped from the coverage. Worst case scenario is that they decide to penalize you for claiming an ineligible dependent...you could lose your job, you could be held liable for any medical expenses incurred by her, your company could choose to go after you for the share of premiums they paid on her behalf, etc.
It is *not* worth getting caught and losing your job and/or getting prosecuted for fraud over. If your sister doesn't have a job, then your niece could be eligible for either Medicaid or the SCHIP program in your state. Your sister should check into that immediately - that way, your niece will have insurance and you won't get pressured into commiting fraud.
2007-11-07 13:01:25 · answer #1 · answered by sarah314 6 · 0⤊ 0⤋
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RE :Can i add my neice to my health insurance?
my sister doesn't have a job and of course her and her daughter doesn't have health insurance. she asked me to put her daughter on mine. i don't have a problem with this but can i actually do it?
Follow 6 answers
2016-09-08 06:34:30 · answer #2 · answered by Lynn 6 · 0⤊ 0⤋
You will not be able to and I don't recommend trying. If your company does an audit and wants to see birth certificates you could loss your job.
Now your sister can sign her daughter over to you and then you will be able to put her on your insurance.
2007-11-06 04:23:24 · answer #3 · answered by JBB 2 · 0⤊ 0⤋
Probably not unless you are your niece's legal guardian. But you can ask the insurance company.
2007-11-06 02:37:51 · answer #4 · answered by Anonymous · 0⤊ 0⤋
No, you cannot, unless you somehow adopt the child. Even if you are the child's legal guardian, she won't qualify to be added to your health insurance.
2007-11-06 02:48:56 · answer #5 · answered by acermill 7 · 1⤊ 2⤋
That's not wrong
2016-07-30 06:39:03 · answer #6 · answered by ? 3 · 0⤊ 0⤋
Only if you've adopted her, and you're her legal guardian.
Which it doesn't sound like you have.
2007-11-06 05:58:14 · answer #7 · answered by Anonymous 7 · 0⤊ 0⤋