A. Coverage for unmarried dependents may be extended beyond the age of 21 but under 25 years of age if the child is attending an accredited educational institute, college or university on a full-time basis provided they meet the criteria for an Over Age Dependent. Proof of school from the institution's registrar's office must be submitted to Ellement.
B. Children who are incapable of supporting themselves because of a physical or mental disorder are covered without an age limit if the order begins before they turn 21, or while they are a student under the age of 25, and the disorder has been continuous since that time. You would need to provide a report or letter from the dependent's personal physician confirming the diagnosis and prognosis for the dependent, and the extent to which the physician determines the dependent is unable to work.
A pre-determination is a proposed course of treatment submitted to Ellement by your dentist or orthodontist (by your provider) to determine allowable procedures, the eligible amount payable...
If you become totally disabled due to a non-occupational injury or sickness you will receive a disability benefit, provided you are under the continual treatment of a qualified and licensed physician.​
