Benefits Plans - Long-Term Disability Plans:
health plan Coverage for Your Dependents

Long-Term Disability (LTD) participants cannot add dependents to their coverage at any time.

You can continue to cover dependents who are currently enrolled on your health plan or you can delete them from your coverage. If you delete dependents from your coverage, you cannot re-enroll them.

Health plan coverage, prescription drug coverage, and/or dental coverage for your children can continue through the end of the month in which they turn age 26.

Unmarried, disabled children who turned age 19 or age 26 can continue to be covered for both health plan and dental coverage provided they:

  • are not married;
  • became disabled and were covered by a university health care plan before reaching age 19;
  • are incapable of self-sustaining employment by reason of mental retardation or physical disability;
  • are dependent on you for support and maintenance; and
  • apply to continue coverage before the end of the month in which they turn age 19 or age 26.
The University of Michigan in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. Although the university has elected to provide these benefits this year, no individual has a vested right to any of the benefits provided. Nothing in these materials gives any individual the right to continued benefits beyond the time the university modifies, amends, or terminates the benefit. Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university's right to modify, amend or terminate them.