Loyola University Maryland

Office of Human Resources

Legally Domiciled Adult

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For medical, dental, and vision coverage only, an employee may enroll a Legally Domiciled Adult (LDA). An LDA is an individual over age 18 who shares a primary residence with the employee, remains a member of the employee's household throughout the coverage period, and either:

(A) has shared basic living expenses and been financially interdependent with the employee for at least six consecutive months with the intention of remaining in the relationship indefinitely; is neither legally married to anyone else nor legally related to the employee by blood in any way that would prohibit marriage; and is neither receiving benefits from Medicare nor eligible for Medicare ; or

(B) is the employee's blood relative who meets the definition of his or her tax dependent as defined by Section 152 of the Internal Revenue Code during the coverage period and is neither receiving benefits from Medicare nor eligible for Medicare..

In no event may an employee have medical, dental, or vision coverage for more than one LDA. Option A is not available to employees who are legally married.

There may be tax and other legal implications for those who elect coverage for a LDA. Employees are encouraged to consult with an attorney or tax professional before electing LDA coverage.

An affidavit, tax return, or marriage license is required documentation to verify eligibility for all first time LDA, two party, or family enrollments.

LDA eligibility does not include family tuition remission benefits.