Spouse / Partner

A spouse or partner is the person legally married to or living in a committed relationship with the insured plan member or policyholder. In insurance terms, a spouse includes both legally married and common-law partners who meet the eligibility requirements defined by the insurer. Common-law partners are generally recognized after living together continuously for a specific period, often 12 months or longer, in a relationship similar to marriage.

‍

Spouses or partners are considered eligible dependents under most health, dental, and life insurance plans. They may share coverage with the plan member and can also coordinate benefits if both partners have separate insurance plans through their employers. Adding a spouse or partner to a plan typically requires proof of the relationship, such as a marriage certificate or signed declaration of common-law status.

‍

Example:

‍

If you and your partner have lived together for over one year and you are enrolled in a group benefits plan through your employer, you can add your partner as a dependent to extend health and dental coverage to them.

‍

What to Watch For:

‍

Check your insurer’s definition of spouse or partner, as the required cohabitation period for common-law eligibility may vary. Notify your employer or insurer promptly about life events such as marriage, separation, or divorce, since these changes can affect dependent eligibility and benefit coordination. If both partners have coverage, coordinate claims to maximize reimbursement while avoiding overpayment.