ISSAIC The Information Source for SAIC
SAIC Benefits Summary Plan Description Health & Welfare Benefits for You and Your Family

Dependents

Participants may also enroll their eligible dependents in some SAIC benefit programs. Dependents that are eligible to be enrolled in these programs are:

  • The participant's legal spouse or registered domestic partner (See "Registered Domestic Partners");
  • Each unmarried child of the participant or registered domestic partner* younger than age 19, including:
    • A natural child or stepchild**;
    • An adopted child (coverage begins as of the earlier of the date the child was placed in the participant's home or the date of final adoption); and
    • Any other child who depends on the participant for support and lives with the participant in a parent-child relationship, if the participant provides proof of legal guardianship.
  • Unmarried children, age 19 and up to 25 years old who are full-time students in an accredited institution of higher learning and who depend on the participant for full support and
  • Unmarried children, age 19 and older who are incapable of self-sustaining employment because they are mentally or physically disabled, as long as:
    • The mental or physical disability existed while the child was covered under the plan and began before age 19;
    • The child is primarily dependent on the participant for support; and
    • The participant provides periodic evidence of incapacity.

Participants must notify Human Resources/Benefits Point of Contact, in writing, within 31 days of any change in dependent eligibility.

* To qualify for coverage under SAIC's life insurance programs, a registered domestic partner's child must reside with the SAIC participant and be born to or legally adopted by the registered domestic partner.

** To qualify for coverage under SAIC's life insurance programs, a stepchild must reside with the SAIC participant.

Important: If a Participant's Spouse, Registered Domestic Partner or Dependent Is an SAIC Employee

No one can receive "double coverage" under SAIC's benefit programs. Therefore, participants may not cover a spouse, registered domestic partner or dependent child if that spouse, registered domestic partner or child is also a SAIC employee and has elected his or her own coverage.

If a participant and his or her spouse or registered domestic partner are both SAIC employees, each can choose individual coverage or one can cover the other as a dependent — but not both. If the participant has children, only the participant or spouse or registered domestic partner can choose coverage for dependent children.