Certificate of Incapacity

Rules governing the Federal Employee Health Benefits (FEHB) plan require a physician to verify the disability of Federal employees’ children ages 26 and over for these children to retain health benefits under their employed parents’ plans. The physician must verify the adult child’s disability: (1) Pre-dates the child’s 26th birthday; (2) is very serious; and (3) will continue for at least one year. Physicians use Form SSA-604, the Certificate of Incapacity, to document and certify this information, and the Social Security Administration uses the information provided to determine the eligibility for these children, ages 26 and over, for coverage under a parent’s FEHB plan. The respondents are physicians of SSA employees’ children ages 26 or over who are seeking to retain health benefits under their parent’s FEHB coverage.

The latest form for Certificate of Incapacity expires 2022-09-30 and can be found here.