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Can disabled adult children stay on TRICARE?
Verified by TRICARE.com Editorial Team
Updated 2024-12-01
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Quick Answer
Adult children who became disabled before age 21/23 and are incapable of self-support may remain eligible for TRICARE indefinitely.
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Key Takeaways
- No age limit if qualified
- Disability before 21/23
- Must be incapable of self-support
- Periodic recertification needed
Detailed Answer
Special rules exist for disabled adult dependents.
Eligibility Criteria
- Disability occurred before 21 (or 23 if student)
- Incapable of self-support
- Unmarried
- Dependent on sponsor
Documentation Required
- Medical documentation of disability
- Proof it started before cutoff age
- Certification of incapability
- DEERS registration
Coverage
- Same as other dependents
- No age limit if qualified
- Prime or Select options
- Must maintain eligibility
Maintaining Coverage
- Periodic recertification
- Update DEERS as needed
- Report changes in status
- Keep documentation current
If Status Changes
- Marriage ends eligibility
- Self-sufficiency ends eligibility
- Recertification may be needed
- Report changes promptly
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What do most military families add to their TRICARE coverage?
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Supplemental health insurance is the most common addition — it covers dental, vision, and out-of-pocket costs that TRICARE leaves uncovered. Life insurance and a legal will are also highly recommended.
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