Dependent Verification

If you wish to enroll a dependent in one or more of your insurance plans, you may need to submit documents to verify that your dependent is eligible for coverage. The documentation you'll need to provide depends on the type of insurance coverage, when the dependent was added, and the type of dependent. Please see below for specifics. All documents must be received within 30 days of enrolling your dependent. (Please note that your dependent's enrollment date is the day you enroll your dependent through our website or the date we receive your paper enrollment form, not the date your dependent's coverage begins.)

What kind of documentation do I need to provide to add a dependent to my plan?

  • Child (for health, dental, and life insurance):
    • Added when you enrolled or during open enrollment
      • Your child has the same last name as you: No documentation required.
      • Your child has a different last name than you: Birth certificate, or adoption or guardianship papers.
    • Added due to a qualifying event
      • New child: Birth certificate, or adoption or guardianship papers.
      • Your child lost previous coverage:
        1. Birth certificate, or adoption or guardianship papers
          and
        2. Proof of loss of prior coverage in the form of a HIPAA Certificate or other written proof from your dependent's previous insurer.
  • Child enrolled as a full-time student (dental and life insurance): If you enrolled a child age 20 or older on your dental or term life insurance plan, you will receive a Dependent Eligibility Form from Guardian by mail. You must return this form to Guardian by faxing it to the number at the bottom of this page to show that your child is enrolled as a full-time student at an accredited school. If you misplace your form, you can download a copy from the Resource Section of the billing and enrollment website.
  • Child age 26-29 (health insurance): Young adult dependents age 26-29 cannot be added to your coverage through out website. Please consult the Guide to Young Adult Dependent Coverage for information on enrollment and required documentation.
  • Spouse (health, dental, and life insurance):
    • Added when you enrolled or during open enrollment
      • Your spouse has the same last name as you: No documentation required.
      • Your spouse has a different last name than you: Marriage license.
    • Added due to qualifying event
      • You got married: Marriage license
      • Your spouse lost previous coverage:
        1. Marriage license (if spouse has a different last name)
          and
        2. Proof of loss of prior coverage in the form of a HIPPA Certificate or other written proof from your spouse's previous insurer.
  • Spouse age 65 or older (health insurance):
    1. Marriage license (if spouse has a different last name)
      and
    2. Proof that he or she is not eligible for Medicare. This proof can be his or her Social Security Statement or a physician's statement with proof of disability or end-stage renal disease.
  • Domestic Partner (health and dental insurance):
    • Added at any time, whether or not you have the same last name:
      • State domestic partner registration
        or
      • Domestic partner affidavit, proof of cohabitation, and proof of joint responsibility for common welfare and financial obligations as demonstrated by at least two of the following:
        • A joint mortgage or lease;
        • Evidence of shared rental payments of joint residence;
        • Evidence of a common household and shared household expenses;
        • Evidence of status of domestic partner as representative payee for the your government benefits;
        • Evidence of joint responsibility for child care;
        • Evidence of a shared household budget for the purpose of receiving government benefits;
        • Designation of domestic partner as beneficiary for life insurance or retirement benefits;
        • Joint wills, or will designating domestic partner as executor and/or primary beneficiary;
        • Designation of domestic partner as your representative in a durable power of attorney or health care proxy;
        • Ownership of joint bank account, joint credit card, joint ownership of a motor vehicle (or other major item of personal property), or other evidence of joint financial responsibility;
        • Affidavit by shared creditor swearing to financial interdependence between you and domestic partner;
        • Other items of proof sufficient to establish economic interdependency.
  • Domestic Partner age 65 or older (health insurance):
    1. State domestic partner registration or affidavit (see above)
      and
    2. Proof that he or she is not eligible for Medicare. This proof can be his or her Social Security Statement or a physician's statement with proof of disability or end-stage renal disease.

If you have questions about the information above, or need help sorting out what documentation you need to provide, please call Freelancers Union Member Services at 800.856.9981.

Where do I send my documentation?

Please send any required documents for spouses, domestic partners, and dependent children that are not full-time students to the address below, along with your name, Freelancers Union Member ID number, and dependent's name to Freelancers Union Billing and Enrollment Office.

Mail: PO Box 30477

Tampa, FL 33630-3477

Fax: 718.228.8502

Email: benefits@freelancersunion.org

For dependent children age 20-26 who are full-time students, please fax Guardian Dependent Eligibility Forms to Guardian at 610.807.2994.