Human Resources
Dependent Verification Services

Dependent Verification Services

Employees' dependents are responsible for up to 70% of a company's health care costs and in extreme cases as many as 15% of those dependents may actually be ineligible for coverage because of age, marital status or failure to qualify as a legal dependent. Carrying all those extra people can add thousands—if not millions—to your annual benefit costs. Verifying dependent eligibility, however, can be time-consuming and complicated for your HR staff.

Aon’s Plan-Smart® and Plan-Guard® dependent eligibility solutions help companies ensure that eligible dependents maintain access to anticipated benefits, and costly ineligible dependents are removed from coverage as quickly as possible. Plan-Smart performs a complete audit of an enrolled dependent population and Plan-Guard preserves the integrity of benefit plans on an ongoing basis.

With Aon’s Dependent Verification Services, you can:

  • Reduce future dependent health care costs
  • Improve employee understanding of what's driving health care costs
  • Reduce compliance risk under Sarbanes-Oxley, ERISA and DOL guidelines

With an average reduction in the number of eligible dependents of 5% to 7% for the initial audit and 2-3 times that percentage on an ongoing basis, the cost savings is substantial.

Learn more about dependent verification