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“Not receiving coverage" means that the individual can receive immediate services under another plan, and is not merely eligible to enroll in or obtain coverage under another plan.
There is no provision for eligibility for dental or vision benefits, under Chapter 375.
No. Under Chapter 375, an over age child does not have any choice in the selection of benefits. The over age child must be enrolled for coverage in exactly the same plan or plans (medical and/or prescription drug) that the covered parent has selected.
The SHBP Chapter 375 Application for Coverage along with the requested supporting documentation is required, if not already on file with the SHBP. Please send the application and any supporting documentation via fax to 609-341-3407 or to:
NJ Division of Pensions and Benefits Health Benefits Bureau,
P.O. Box 299
Trenton, NJ 08625-0299
NOTE: The application and required documentation must be submitted to the Division of Pensions and Benefits on or before the child's 30th birthday.
When Chapter 375 coverage is elected, the covered parent will be billed directly by the SHBP for the cost of the coverage. Payroll deductions are not available. The Chapter 375 rates charts below provides the premium amounts for the SHBP plans for over age coverage.
There are several differences between Chapter 375 and COBRA coverage. Please visit the comparison chart for additional information.
A SHBP covered employee or retiree may enroll an over age child who is Chapter 375 eligible until the child's 30th birthday at the following times:
Chapter 375 coverage ends on the first of the month following the event that makes the child ineligible or up until the paid through date in the case of non-payment.
Coverage for an enrolled over age child will end when the child no longer meets any one of the eligibility requirements listed above, or when the covered parent’s coverage ends (for example: termination of employment, divorce, or death of the covered parent). The SHBP may also terminate coverage in the event of non-payment of the required premiums.
There is no provision for the continuation of group coverage under COBRA for a child due to the loss of Chapter 375 coverage. Nor is there any provision for conversion to non-group coverage.
You can visit the State of New Jersey Division of Pensions and Benefits website for current information, or call a Benefits Specialist at 848-932-3990.
In order to meet the requirements for continuation of coverage under this law, the individual must be: