Something I learned last year - if someone is considered disabled by a doctor, they can remain on their parents insurance past 26. There is a ‘disabled dependent’ form that you have to fill out (the dependent fills out one page, the doctor fills out another) for the insurance company. Of course, they won’t tell you about it, and a lot of people don’t know about it, so you have to hunt around or ask the right people to find the form.
And the normal online forms that you fill out for insurance every year tend to throw validation errors and refuse to submit if you put your child’s real birthdate, because they don’t take that exception into account. The proper solution, as it turns out, is to lie about the birthdate on those forms so that they’ll go through, and also send in the exception form. Bureaucracy in action.
