When you add a spouse/partner or new dependent to your coverage, you will be required to submit proof of eligibility for the coverage (for example, a marriage license, partnership registration, domestic partner registry certificate or birth certificate). Note that domestic partners and spouses are offered all the same benefits and treated the same in all ways. Any requirements for proof of relationship or waiting periods for registered domestic partnerships are also applied to marriages.

Your eligible dependents must live in the United States and generally are:

You can cover your disabled child beyond age 26 if he or she was covered under the Plans before age 26 and while covered became incapable of self-sustaining employment due to a disability, in which case the eligible dependent may be eligible for coverage beyond such age.

Note: Dependent children up to age 27 may be covered under the GUL.

You may also cover your disabled adult child age 26 or older when you begin employment with Citi and you enroll him or her when you are first eligible to do so. You must have a letter from the Social Security Administration (SSA) declaring your child as disabled; if you do not have such a letter, your Citi health plan will evaluate the child before adding him or her to your health care coverage.

Keep in mind, children, regardless of marital status, are eligible for healthcare coverage under your Plan until the end of the plan year in which they turn age 26. The Plan however, does not provide coverage for any spouse of your children or their dependent children (i.e., your grandchildren).

Note: Not all HMOs cover civil union partners/domestic partners and/or their children. For more specific information, contact your HMO directly.

*Coverage generally will remain in effect through December 31 of the year in which the child reaches the maximum age of 26. However, for some HMOs, coverage ends on the last day of the month in which the child reaches the maximum age. For specific information, contact your HMO directly. For more information on when coverage ends, see "When Coverage Ends."

State laws apply only to fully insured plans. See the list of fully insured plans in the Medical subsection of the Health Care Benefits section of this Benefits Handbook.

No dependent can be covered under these Plans as both an employee and an eligible dependent or as an eligible dependent of more than one employee.

Note about disabled children: If your eligible dependent child is permanently and totally disabled as defined for purposes of obtaining Social Security benefits and (a) is covered under the Plans before reaching the applicable maximum age as described above, or (b) you enroll this dependent within the first 31 days of your eligibility under the Plans, this child may continue to be considered an eligible dependent under the Plans beyond the date his or her eligibility for coverage would otherwise end. You must provide written proof of this incapacity to the Claims Administrator within 31 days after the date eligibility would otherwise end or as requested thereafter. This eligible dependent must still meet all other eligibility qualifications to continue coverage, including, but not limited to, continuing to be permanently and totally disabled.