Title: A Checklist for Adding a Baby to Health Insurance & Life Insurance | Budgeting Money - The Nest
Headings: A Checklist for Adding a Baby to Health Insurance & Life Insurance
A Checklist for Adding a Baby to Health Insurance & Life Insurance
Social Security Number
Health Insurance
Life Insurance
Insurance Beneficiaries
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Content: To prevent delays, apply for a Social Security number for your newborn at the same time you apply for the birth certificate. If you wait until later to apply for a Social Security number for your baby, you need to show your child’s birth certificate and a document such as a hospital record proving your child’s identity. You also need to complete an application for a Social Security card, showing your driver’s license, U.S. passport or other proof of your own identity. Health Insurance
Under the laws of many states, both individual and group health plans must add newborn infants to the policy of insured members even if a child is born prematurely, has congenital defects or becomes ill at birth. Policy terms vary; some policies cover the child from the moment of birth, while the effective coverage date for other policies is the first day of the month in which your child is born. Contact your insurance carrier for details and to request the enrollment forms necessary to add your baby to your health insurance plan. Most insurers allow you a certain length of time when you can pay the premium and add your baby to your policy. Failing to make the change within the specified number of days could mean that you have to wait until the next open enrollment period to add your baby to your insurance. Life Insurance
After your baby is born, you may wonder whether you have enough life insurance to provide financially for your family if something unexpected happens to you or your spouse.