In Ohio, continuation of medical plan coverage for a handicapped child beyond the age limit may require proof of the child's

• A. Continued insurability
• B. Incapacity only
• C. Incapacity and dependency upon reaching the age limit
• D. Dependency for the first two years of continued coverage only

Answer: (C)

When a handicapped child seeks to keep medical plan coverage beyond the usual age limit, two things are required: incapacity and dependency. Incapacity means the child cannot support themselves due to a physical or mental disability that began before reaching the age limit. Dependency means the child still relies on the insured for support and care at the time the coverage would terminate. Both conditions are needed to verify that continued coverage is truly for someone who is disabled and dependent, not for someone who is simply past the age limit.