Under what conditions can a disabled child extend their health insurance coverage as a dependent upon reaching the limiting age?
Understand the Problem
The question asks about the specific conditions under which a disabled child can extend their health insurance coverage as a dependent upon reaching the limiting age. It presents four possible conditions, and you need to identify the correct one according to typical insurance regulations regarding dependent coverage for disabled children.
Answer
If a child is incapable of self-support due to a disability that existed before age 26, they can often remain on their parent's health insurance policy after age 26.
Disabled children can often remain on a parent's health insurance policy after the age of 26 if they are incapable of self-support due to a disability that existed before age 26. Specific conditions vary by plan and state laws.
Answer for screen readers
Disabled children can often remain on a parent's health insurance policy after the age of 26 if they are incapable of self-support due to a disability that existed before age 26. Specific conditions vary by plan and state laws.
More Information
The Affordable Care Act generally requires that health insurance plans offer dependent coverage up to age 26. After that, coverage for disabled adult children may be extended under certain conditions, often involving proof of the child's incapacity for self-support due to a disability that began before the age of 26.
Tips
Always check the specific terms and conditions of the health insurance plan and any applicable state laws, as these can vary.
Sources
- Health Insurance Information for Adult Disabled Dependents - massairc.org
- Post-Age 26 Coverage for Disabled Children - Newfront - newfront.com
- Family Members - FEHB Handbook - OPM - opm.gov
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