From my former employer health insurance retirees. Insurance companies said that if he is no longer a full-time student, because he was older than 19 I think the new health care reform law requires employers to provide cover children until they reach the age of 26 who can give up my son’s report, right?

Your former employer’s right on this one. Although health care reform law requires most insurance plans depend coverage to adult children until the age of 26, with one exception only retired personnel of the medical insurance plan. Covers only retirees (other than those paid staff or are a combination of existing employees and retirees) health insurance plan to cover not need to rely on to last until the age of 26. The rules

However, some only retirees the plan must comply with the laws of the country reports, it can set different age requirements. Rules depending on whether the health plan “full insurance” or “self-insurance.” Fully insured plans, which are provided by insurance companies, rather than being covered by the employer self-funded, must comply with state laws, some states require graduation to the families of a certain age, usually after the mid-twenties health plan coverage. Rules vary by state and age; refer to the fact that the National Health Kaiser Family Foundation of. “These rules do not require the plan to provide relevant reports, however, if the plan and provide relevant reports, but must meet the requirements of the country,” Pierce said Weaver, Fidelity welfare counseling.

However, many only retiree health insurance plans – especially large enterprises to offer – is considered to be self-insured plans, which means that employers use their own funds to pay claims and the use of insurance companies only to management. In this case, no plans to follow state laws related reports. “But it can hope eligibility requirements set by the employer,” Weaver said. Employers can only provide retirement coverage, no coverage dependent family members may also be covered to 19 years of age or set additional age limits, just as before the adoption of health care reform law, it can be done.

As the insurance company can, in fact, even if your boss is to provide funds to pay claims for self-insurance plans do management, it is not always obvious whether your only retirement plan are considered adequate insurance or self-insurance. Asked the Office of benefits, the rulesSuitable for your plan.