Defining Eligible Dependents

Adding a Dependent to Your US Health and Welfare Plan?

The costs for covering ineligible dependents can really add up and are shared by everyone in the Plan. That is why Nokia requires employees to verify the eligibility of all dependents covered under Nokia's health and welfare plans.

Employees who add dependents (allowed within 31 days of a qualified change in status [e.g. date of hire, marriage, birth of child, etc.] or during annual open enrollment) to their health care coverage(s) will be required to certify the eligibility of the dependent(s) they add to their coverage within 45 days of enrolling the new dependent. Failure to provide proof of eligibility within the required timeframe may result in the dependent(s) being terminated from coverage. This proof will help Nokia continue to apply eligibility rules fairly and is part of Nokia's ongoing efforts to control health care costs.

View Nokia's eligibility rules by selecting the current Dependent Eligibility Rules below if you are uncertain whether your dependent(s) is eligible for Nokia coverage. Please be sure to select the applicable eligibility rules for your employment classification.

You may also call the Nokia Benefits Resource Center if you have questions.

View the current Dependent Eligibility Rules

Access the Nokia Declaration of Domestic Partnership form

Dependent Eligibility Rules

Class I and Domestic Partner Dependents Class II Dependents
  • Your opposite-sex lawful spouse (or common-law spouse, if recognized in your state of residence);
  • Your same- or opposite-sex domestic partner*, if you and your partner meet all of the following requirements:
    • Comply with any state or local registration process for domestic partners, if applicable;
    • Reside in the same household;
    • Are 18 years of age or older;
    • Have the mental capacity sufficient to enter into a valid contract;
    • Are unrelated by blood or marriage and are not legally married to, or the domestic partner of another individual;
    • Consider one another to have a close and committed personal relationship and have no other such relationship with any person; and
    • Are responsible for each other’s welfare and financial obligations.
  • Your unmarried child(ren) (including those of your domestic partner or opposite-sex spouse) who, as of December 31, 2009, are not yet age 23:
    • Biological child(ren), stepchild(ren) who live with you or legally adopted child(ren);
    • Child(ren) for whom you, your spouse or your domestic partner is appointed a legal guardian as defined by a court order (this does not include wards of the state or foster child[ren]); and
    • Child(ren) for whom you are required to provide coverage under a Qualified Medical Child Support Order (QMCSO).
  • Child(ren) beyond age 23 who are incapacitated, unmarried, certified by a medical Claims Administrator and who meet all of the following requirements:
    • Incapable of self-support;
    • Physically or mentally handicapped; and
    • Fully dependent on you for support.

(You can cover your eligible class II dependents who have been continuously covered prior to January 1, 1996. No new class II dependents may be enrolled.)

  • Your unmarried dependent stepchild(ren) not included as class I dependent(s);
  • Your unmarried grandchild(ren), your unmarried brothers and sisters, your parents and grandparents; and
  • Your lawful spouse’s parents and grandparents.

Class II dependents must also meet the following requirements:

  • They receive less than $12,000 per year in income from all sources (other than your support);
  • They live with you or in a nearby household (within a 100-mile radius) provided by you for at least the past six months (note that unmarried dependent stepchild[ren] must live with you throughout the period of coverage); and
  • They either:
    • Have been continuously re-enrolled during each annual open enrollment period since January 1, 1996, and continue to be re-enrolled each year (non-grandfathered dependent[s]); or
    • Were enrolled before June 1, 1986 (grandfathered dependent[s]).

*Or any other state-recognized permanent relationship between two consenting adults, other than opposite-sex marriage, that meet the stated conditions.

Domestic Partner Eligibility Rules

A domestic partner is defined as a person, of the same or opposite gender of an employee, who is involved in an ongoing and committed relationship with the employee and as someone who:

  • Is 18 years of age or older;
  • Shares a primary residence with the employee with the intent of doing so permanently;
  • Is not legally married or involved in another domestic partnership;
  • Is jointly responsible with the employee for each other’s welfare and financial obligations; and
  • Is not related to the employee.

To enroll in some coverages, such as life insurance coverage through MetLife, you may be required to submit a signed and notarized affidavit of domestic partnership regarding the commitment to, and permanency of, the relationship.

Please note that retirees are not permitted to enroll new domestic partner dependents in coverage. If, however, your domestic partner was previously enrolled while you were an active employee and then dropped coverage, he or she is permitted to re-enroll in those same coverage options only.