A&H Policy ProvisionsQuestion 631 of 716
Under COB, when a child is covered by both parents' group plans, the 'birthday rule' usually makes the primary plan the one belonging to the parent whose:
a.Coverage has been in force for the longer time
b.Earned income is higher on the household tax return
c.Birthday falls earlier in the calendar year
d.Plan carries the lower annual deductible amount
Explanation
The birthday rule assigns primary status to the plan of the parent whose birthday comes first in the year (month and day, not year of birth). Coverage length, income, and deductible are not the deciding factor.
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)