When your child reaches age 22 (or marries before age 22) he or she is no longer eligible to be covered under your life insurance family enrollment. This is true even if your child is still in school. If your child is no longer eligible for coverage and was your only covered family member, you must submit an election form to your Benefits Contact to cancel the Option C-Family coverage. The change is not automatic.
To determine if you have Option C-Family, review your most recent SF-50 (Notification of Personnel Action) or your Leave and Earnings Statement in myPay. If your two-digit life insurance code ends in number 1, 2, 3, 4 or 5, then you are carrying Option C. Loss of coverage due to marriage or reaching age 22 does not afford one the opportunity to convert Option C to an individual policy.
If you have specific questions, please notify your Benefits Contact or AskBenefits@nih.gov.