UAW Retiree Medical Benefits Trust
Dependent Eligibility

A retiree’s spouse is eligible if the Retiree is enrolled in coverage. A common-law spouse is eligible for coverage if the relationship is recognized by the laws of the state in which the retiree is enrolled. Retirees may not add a new Same-Sex Domestic Partner or children of the Same-Sex Domestic partner after their retirement effective date.

In order for Children to be eligible for coverage under the plan they must meet all five eligibility tests. Retirees may add children as dependents, but Surviving Spouses/Same-Sex Domestic Partners may not.

The five eligibility tests include:  

Relationship – natural child, stepchild, legally adopted, or legal guardian

Age – may be eligible until the end of the month in which they turn age 26 or age 18 in case of a legal guardianship.

  • Children determined to be Permanently and Totally Disabled (PTD) may continue health care coverage beyond the age of 26. Retirees can request a Disabled Dependent Certification Package from Retiree Health Care Connect (RHCC) by phone or online. A child is considered to be PTD when the following applies:
    • they were PTD prior to the end of the month in which they turn age 26;
    • they have a medically determinable physical or mental condition that prevents the dependent from engaging in substantial gainful activity and which can be expected to result in death or be of long-continued or indefinite duration;
    • the dependent must not earn more than $10,000; and
    • the PTD dependent must meet all other eligibility requirements.

Marital Status – unmarried

Residency – must live with the primary enrollee


Dependency – can be claimed as an exemption on his or her federal income tax 

Adding Dependents to Coverage
Retirees (not surviving spouses or same-sex domestic partners) can add dependents to coverage by contacting Retiree Health Care Connect (RHCC) by phone or via the website. When contacting RHCC retirees must provide the date of birth, date of the event and Social Security Number for the dependent being added. If the retiree requests the dependent be added within 30 days of the event, the effective date for the following events will be the effective date of the event:
• Marriage
• Birth or adoption
Court order/Qualified Medical Child Support Order (QMCSO)

RHCC Call Center

RHCC Website

If the retiree requests the dependent be added more than 30 days after the date of the event, the effective date will be the first of the month following the request.

The retiree will receive a confirmation of enrollment via the web or mail, depending on how the dependent was added. The information regarding the new dependent will be sent to the carrier the 1st Wednesday following the enrollment. After the carriers receive the information from the RHCC it will take about 3-5 business days to load the data into their system. Retirees should expect to receive ID cards for the newly added dependent, if necessary, within 7-10 business days after receipt of the file.

Important reminders when adding dependents:
In most cases paperwork is not required when adding dependents. After a dependent is added, the retiree will be required to provide documentation as proof of eligibility.

Paperwork must be received before a Legal Guardianship or Court Order/QMCSO dependent can be added. Coverage will be effective the 1st of the month after the receipt and approval of the requested documentation.

• Participants requesting to add a Legal Guardianship Dependent will be asked to provide a copy of the birth certificate, legal guardianship papers (stating full and permanent custody), proof of residency, and the last Federal 1040 filed 
    – The first five digits of the Social Security Numbers and income figures may be concealed for privacy and security
• Participants who are adding a Court Order/QMCSO dependent will be asked to provide a full copy of the court document. Documentation should be sent to:

UAW Retiree Medical Benefits Trust
PO Box 14309
Detroit, MI 48214

The Trust will conduct periodic audits to ensure that all dependents remain eligible for coverage. During these audits, retirees will be required to provide proof of eligibility for all dependents.
Removing Dependents From Coverage
It is the responsibility of the retiree to contact RHCC when dependents become ineligible for coverage. Dependents who no longer meet the five eligibility tests should be removed from coverage. Spouses should be removed in the case of a divorce. Please note: it will be the contract holder/member’s responsibility to pay for any fees (claims, premiums, etc) associated with an ineligible dependent.
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