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Hi, thank you for your response. Yes I do have dependants, one being my 9 year old daughter and the other an adult. I don't believe my daughter could have one that's not in my online account so possibly my adult dependant... I will check with them and look into it to see if that's the hang up. If that does not turn out to be the solution I will call the number you provided for me and follow your directions when prompted. I will also post my progress and outcome in case it may be helpful to anyone else. thank you again this was very helpful info.