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304.16-085 Dependents' coverage.
(1)
(2)
(3)
(4)
Insurance under any group life insurance policy issued pursuant to KRS
304.16-030 (employee groups), KRS 304.16-050 (labor union groups), KRS
304.16-060 (trustee groups), KRS 304.16-070 (public employee groups), KRS
304.16-080 (association groups), and KRS 304.16-115 of this subtitle may be
extended to insure the dependents, or any class or classes thereof, of each
insured employee or member who so elects in amounts in accordance with a
plan which precludes individual selection. A "dependent" includes any of the
following:
(a) The husband or wife of the insured employee or member;
(b) The insured employee's or member's child under eighteen (18) years of
age;
(c) The insured employee's or member's child age eighteen (18) years or
older who is:
1.
Unmarried;
2.
Supported either in whole or in part by the insured employee or
member; and
3.
A full-time student at a school, college, university, or other
accredited educational institution; or
(d) A dependent child of an insured employee or other member of an insured
group which terminates coverage at a specified age, who is unmarried
and incapable of self-sustaining employment because of a mental or
physical condition, if:
1.
The child was incapacitated prior to attainment of the age at which
dependent coverage would otherwise terminate;
2.
The child is chiefly dependent upon the employee or member for
support and maintenance;
3.
The insurance of the employee or member remains in force;
4.
The dependent child remains incapable of self-sustaining
employment; and
5.
The insured employee or member submits proof of the dependent
child's incapacity within thirty-one (31) days of the dependent's
attainment of the termination age.
Premiums for the insurance on the dependents may be paid by the group
policyholder, or by the employee or member or by the group policyholder and
the employee or member jointly.
A husband or wife and dependents pursuant to this section shall have the
same conversion right as to the insurance on his or her life as is vested in the
employee or member.
Notwithstanding the provisions of KRS 304.16-180 (certificate; filing approval)
only one (1) certificate need be issued for each family unit if a statement
concerning any dependent's coverage is included in the certificate.
Effective:July 12, 2012
History: Amended 2012 Ky. Acts ch. 116, sec. 3, effective July 12, 2012. -Amended 2008 Ky. Acts ch. 140, sec. 7, effective July 15, 2008. -- Amended
1994 Ky. Acts ch. 93, sec. 9, effective July 15, 1994. -- Amended 1978 Ky. Acts
ch. 41, sec. 1, effective June 17, 1978. -- Created 1972 Ky. Acts ch. 263, sec. 1,
effective July 1, 1972.
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