7. Spouses and Children Insurance Review the evidence of coverage (EOC) booklet provided by your insurer (or consult your agent or broker if applicable) in order to understand the definitions clearly. Employers have the option to offer health benefits to unmarried domestic partners of their employees. It is typically required for an employee's legal spouse and dependent children to be provided with coverage. According to the Patient Protection and Affordable Care Act, group insurance plans must offer coverage to adult dependents up to the age of 26. Employers have the option to broaden the definition of child dependent to encompass children above the age of 26, with age limits different depending on the plan. 4 Life insurance coverage can be obtained up to the GI amount without requiring an EOI form during an employee's initial eligibility period. NOTE 12