Eligibility and Dependents
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You and your dependents may be eligible for benefits through Assurant or elsewhere:
Review Eligibility
Review eligibility for Assurant health, dental and vision plan benefits starting with the following links.

This chart explains who is eligible to enroll in the health, dental and vision plans.

ParticipantEligibleNot Eligible


  • Active, regular full-time employees.
  • Active, regular part-time employees regularly scheduled to work at least 20 hours a week.
  • Temporary employees who are not seasonal employees and who are on Assurant’s payroll and are regularly scheduled to work at least 30 hours per week.
  • Employees on a qualifying leave of absence also may be eligible for certain Assurant benefits if they pay their share of the premium.
  • Seasonal employees working annually in positions of limited duration not to exceed five months.
  • Leased employees or independent contractors
  • Employees not on the U.S. payroll.

Spouse/Domestic Partner1

  • Your lawful spouse.
  • Your domestic partner.
  • Spouses/domestic partners of your eligible adult child(ren).2


  • Your child(ren), up to the end of the month in which they turn age 26, regardless of student or marital status or whether they live at home with you.
  • Your unmarried child(ren) who are permanently and totally disabled and – if age 26 or older – for whom you have provided proof of disability.
  • Grandchild(ren) or step-grandchild(ren), unless you claim the child(ren) on your federal taxes and you are the legal guardian.

See the Assurant Health and Welfare Benefit Plan Summary Plan Description (SPD) for a full description of dependent eligibility and any documentation required for all plans.

  1. Refer to the Assurant Health and Welfare Benefit Plan Summary Plan Description (SPD) for the definition of a domestic partner and the tax implications of domestic partner coverage.
  2. Eligible children include your own and your spouse's/domestic partner's biological and adopted children.
Qualified Medical Child Support Order

Assurant will honor a Qualified Medical Child Support Order relating to provisions for child support, alimony payments, or marital, domestic partnership or civil union property rights that may require you to provide medical coverage to an eligible child. If Assurant receives such an order, you will be notified of how it will be handled with respect to your benefits.

Dependent Eligibility Verification

At Assurant, we value our employees' wellbeing and strive to provide you and your family members with market-competitive and affordable health care coverage. An important component of controlling health care costs is ensuring that only eligible dependents are enrolled in Assurant's benefit plans. If you elect coverage for your dependents under the health plan or dental plan, you'll be required to verify your dependents’ eligibility. After your enrollment, you’ll receive a mailing at your home address from Mercer, the benefits eligibility vendor that Assurant's working with to administer this process. Please read the materials you receive carefully and return all requested documents by the deadline indicated in the letter. If you don't provide the required documentation by the deadline, your dependents will be removed from coverage.

You may be eligible for other benefits outside of the Assurant health plans.

If you have other medical coverage such as through your spouse’s/domestic partner’s employer, you can waive health plan coverage under the Assurant program. Although Assurant does not require that you submit proof of your other medical coverage before allowing you to waive health plan coverage, we maintain the right to request such proof at any time.

The Health Insurance Marketplace offers health plans to the public. Please visit HealthCare.gov or call 1-800-318-2596 for information on health insurance available through the Healthcare Exchange Marketplace or visit IRS.gov/aca regarding potential government tax credits. You also may qualify for Medicaid based on government eligibility rules. Visit cms.gov to find more information.

Affordable Care Act Standards and Assurant Health Plans

The Assurant Blue, Green and Orange Plans offered to eligible U.S. Assurant employees meet the "minimum value threshold" of coverage required by the Affordable Care Act. The Orange Plan also is intended to meet the definition of “affordable,” depending on your household income. Since all the Assurant health plans meet these standards, eligible Assurant employees likely will not qualify for a tax credit via the Marketplace. However, employees always have the choice of purchasing other coverage on their own through the Marketplace.

Note: If you waive Assurant health plan coverage and purchase coverage through the Marketplace, you cannot re-enroll in the Assurant health plan until next year's Open Enrollment period unless you experience a qualified life event and report it through MyHR within 30 days.

Also, if you enrolled in the Assurant health plan and later decide you want to purchase coverage through the Marketplace, you cannot cancel your enrollment in Assurant’s health plan until next year's Open Enrollment period, unless you experience a qualified life event and report it through MyHR within 30 days.