Under a disability (accident and health) policy, which statement about coverage for a physically or mentally handicapped child who has reached the policy's limiting age is correct?

• A. The child may continue coverage until age 30
• B. Coverage ends immediately at the limiting age, with no exceptions
• C. The insurer will automatically extend coverage if the child is enrolled in school
• D. The child is chiefly dependent on the primary insured and is incapable of self-sustaining employment

Answer: (D)

This tests whether a disability policy allows an extension of dependent coverage beyond the limiting age for a child who is handicapped. The important point is that extended coverage is not automatic or tied to school enrollment or a fixed extra age. Instead, many policies provide continued coverage past the limiting age if the child is still chiefly dependent on the insured and is incapable of self-sustaining employment due to the disability. That dependency and inability to work are what justify keeping the coverage active. Therefore, the correct statement reflects that continuation hinges on the child’s ongoing dependency on the insured and their lack of self-sustaining capacity.