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Parenting Issues This forum is for discussing any of the parenting issues involved in your divorce, including parenting of step-children.

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  #1  
Old 09-18-2018, 03:10 PM
failed@life failed@life is offline
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Default Children covered under multiple employer benefits

Does anyone have something like this going on? If both parents and both step parents each have separate benefits covered by their employers, can a child be covered by all four plans?


For example my child may need braces. My benefits don't cover them, assume child's mother's benefits don't either. But child's step mother's benefits would cover them at least partially if the child was added to her plan. Is that at all possible?
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Old 09-18-2018, 03:15 PM
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That would seem to be up to the step parents insueance providers, however it is highly unlikely.
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Old 09-18-2018, 03:21 PM
good_mom good_mom is offline
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Yes you can, it can be a pain in the backside. All by date of birth.

DaD in march, insurance first, Mom in June next insurance, Step-dad september his next and step mom december this one last.

Good luck.
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Old 09-18-2018, 04:58 PM
mom22girls mom22girls is offline
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Its possible if the steps married or common law and have family plans.


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Old 09-18-2018, 06:17 PM
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Having the kids on a step parents plan benefits everyone as the costs are reduced. In your case, if you both dont have benefits you would be splitting $4000 in expenses. If the step parents have benefits that cover $2000, you would then split the remaining net cost.

Almost all benefit companies now cover step children as they consider your spouse your dependent therefore the children are too. I was able to put my partners kids on my benefits even though we arent married.

You should check with your benefits provider on how they apply them though. Depending on custody situation (and its written clearly in my partners benefits book, dont correct me) if goes custodial parent first, access parent, custodial spouse, access parent spouse.
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Old 10-01-2018, 04:02 PM
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I have had this in place for a while, my kids were covered through both their father and stepfather but it did take quite a while for them to figure out the order of benefits for COB due to shared custody situation... Now that DD is 21 (graduated & overage) for one plan, trying to update info for the plan that goes to 22 is proving to be a challenge.
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Old 10-02-2018, 12:13 PM
HammerDad HammerDad is offline
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My kid is also covered under 3 insurance plans. Mine, my ex's and my wife's. It hits my ex's first, then what isn't covered goes to mine, then my wife's.


My wife had family benefits for years as my work insurance was expensive, so she was the only one with coverage for a while. Then my work covered 100% family insurance, and my ex got a new position with better benefits. It works out best for the kid and helps my pocket book at the end of the day.
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Old 01-27-2021, 04:07 PM
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The way insurance pays when there are multiple insurance involved is the same for all insurance across Canada. This is dictated by the Canadian Life and Health Insurance Association’s (CLHIA)
1- SHARE CUSTODY When both parents have plans and their children are covered under both asdependents, the plan of the parent with the earlier birth date in the calendaryear pays first.
Example 1:• Father’s birthday – October 11• Mother’s birthday – September 21Therefore - Mother’s plan pays first - Mother’s birthdate comes before Father’s inthe calendar year.


If both parents have the same birth date, the plan paying first is based on theparent’s given name that occurs first in the alphabet.


Example 2:• Mom’s given name is Jane• Dad’s given name is StephenTherefore - Jane’s plan pays first - the name Jane comes first alphabetically.


In cases of Single Custody i.e., when one parent has custody of the child(ren),
The plan of the parent with whom the child resides, i.e., the plan of the parent withcustody, pays first.
The plan of the spouse of the parent with custody pays second.
The plan of the parent not having custody pays third.


Example 3:A child lives with mother and her new spouse.Therefore - Mother’s plan pays first.
Mother’s spouse’s plan pays second.
Father’s plan pays third.


In a case of sole custody, it's not the DOB that are important, it's mom then partner (if applicable) then dad, then partner (if applicable)


See this link for complete document:
Brochure_Guide_To_CoOrdinationBenefits_ENG.pdf (clhia.ca)
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Old 01-27-2021, 04:32 PM
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If there is shared custody, and both parents have repartnered, what is the order then?
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Old 01-27-2021, 04:52 PM
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Parents with joint custody :

1. Plan of the parent with joint custody with the earlier birth date
2. Plan of the parent with joint custody with the later birth date.
3. The plan of the spouse of the parent in #1
4. The plan of the spouse of the parent in #2
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