Eligibility

 

You are eligible for benefits if you are employed by a Farm Credit employer that participates in the Farm Credit Foundations benefit plans and you are:

 

• A full-time employee (regularly scheduled to work at least 32 hours per week)
• A part-time employee who is eligible for benefits (regularly scheduled to work 20 to 31 hours per week)

Eligible Dependents – Medical Coverage Only

The eligibility for dependents under the medical plans differs from the eligibility for other benefit plans.

 

Eligible dependents include:

• Spouse or domestic partner*
• Children up to their 26th birthday who are not eligible for group coverage through their employer
• Unmarried children age 26 and older who are physically or mentally challenged and depend on you for support. Child must be incapable of self-sustaining employment because of a physical or mental disability.

 

For plan purposes, child(ren) means:

• Your own, legally adopted or stepchild
• Children of a domestic partner as long as your domestic partner is enrolled for coverage
• Child whose coverage is required by a Qualified Medical Child Support Order (QMSCO)
• Child other than the above with a court document granting guardianship

Note: You may have a medical expense for a child that is not reimbursable under the Health FSA or HSA even though such child is covered under the Medical Plan.  Review important information under the Tax Advantage Accounts section of this Guide.

 

Eligible Dependents – Dental, Vision, and Life Insurance Plans

In addition, your dependents are eligible for coverage under most benefit plans.

 

Eligible dependents include:

• Spouse or domestic partner* (domestic partner and common law spouse)
• Unmarried dependent child(ren)* under age 19 including biological child(ren), adopted child(ren) and stepchild(ren)
• Unmarried child(ren)**, ages 19 up to their 25th birthday, who are full-time students at an accredited institution and who are dependent on you for support
• Unmarried child(ren)**, ages 19 up to their 25th birthday, who are participating full-time on an approved unpaid charitable or religious mission
• Unmarried children** of any age who are physically or mentally challenged and depend on you for support. A child will be considered to be physically or mentally challenged if he or she is incapable of self-sustaining employment because of a physical or mental disability

 
*For plan purposes, a domestic partner means: 
Two unmarried adults at least 18 years of age of the same or opposite sex that are not related by blood that have lived together for more than six months in an exclusive committed relationship of mutual caring and financial support.  Dependent benefits for domestic partners are available under the medical, dental and vision plans. An affidavit will be required if you elect to cover a domestic partner under your medical, dental, and or vision plans.

**For plan purposes, child(ren) means:

• Your own or legally adopted child
• Child(ren) and stepchild(ren) who live in a parent/child relationship with you at least half the time
• Child(ren) of a domestic partner who lives with you and are dependent upon you for at least half of their support. As long as your domestic partner is enrolled for coverage
• Child whose coverage is required by a Qualified Medical Child Support Order (QMCSO)
• Child other than the above with a court document granting guardianship

  If your child is a student or on a qualified mission and over age 18, you may be required to certify and/or provide proof of full-time student/missionary status.

.