Answer

Thank you for contacting our JA team for guidance.

The more stringent law applies. Therefore, if your son is a dependent and state law requires that he be allowed as a dependent under state law, the health insurer must recognize this state law.

If they continue to refuse, I would consult with a local employment law attorney about drafting a demand letter and possibly a lawsuit for vexatious refusal to pay if there are claims pending. This would allow for punitive damages against the insurer, which often motivates them into paying the claims.

The state bar association can provide you with attorney referrals.

Please let me know if you need additional information.


Best regards to you,

TG

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