Loyola University Maryland

Office of Human Resources

Legally Domiciled Adult

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.

This website provides a summary of the benefits available. The University reserves the right to modify, amend, suspend or terminate any plan at any time, and for any reason without prior notification. You will be notified of any changes to these plans and how they affect your benefits, if at all. The plans described on this website are governed by insurance contracts and plan documents, which are available for examination. We have attempted to make explanations of the plans on this website as accurate as possible. However, should there be a discrepancy between this website and the provisions of the insurance contracts or plan documents, the provisions of the insurance contracts or plan documents will govern. In addition, you should not rely on any oral descriptions of these plans, since the written descriptions in the insurance contracts and plan documents will always govern.