Dependent Information

eFunds plans will cover eligible dependents as defined below:

• Your legal spouse (and, for certain benefits, your domestic partner)
• Your unmarried children to age 19 who are dependent on you for support, including stepchildren, legally adopted children, foster children, children under your legal guardianship, children placed with you for adoption before legal adoption is concluded, and children of your domestic partner
• Your unmarried children who are full-time students, to age 25
• Your unmarried children age 19 or older who are mentally or physically incapable of self-support
• Your unmarried grandchildren, to age 19, who have lived with you continuously from birth and are claimed as exemptions on your Federal income tax return

Some plans have additional eligibility requirements-for example, dependent life insurance requires that your dependent children covered under the policy be at least 14 days old but under age 19. Such requirements will be clearly noted in each benefit's description. This applies to the medical, dental and vision plans permitting dependent coverage.

Dependents ineligible for coverage include:

• Parents and grandparents
• Aunts and uncles
• Nieces and nephews (unless you are their legal guardian)
• Boyfriends and girlfriends who do not qualify as domestic partners
• Dependents in active military service
• Individuals covered under eFunds' benefits as an employee