Can my 19 year-old son stay on my HMO?
My son, who is not enrolled in school, has type 1 diabetes. He has a very poor insurance plan through his part-time job; it doesn't cover but $20 off his $250 RX for 1 insulin. He has to take 3. Or can he qualify for disability insurance to cover the cost?
You have to read the portion of your coverage that deals with "covered persons." There are usually stipulations regarding adult children that you touched on: full time student, etc. Your son should also consider getting a job with benefits if he is not going to go to school.
As for SSI disability, it is intended for the aged, blind and disabled.