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Continuing Coverage for Incapacitated Children

Incapacitated children are those who are unmarried and unable to sustain employment because of a developmental disability or physical disability. If your enrolled dependent is deemed an incapacitated child, the coverage for this child shall not terminate beyond age 19 as long as the following conditions are met:

  • He or she became incapacitated before age 19 and is chiefly dependent upon the employee for support and maintenance,
  • Documentation verifying the child's incapacity was submitted to the insurance carrier prior to the child becoming 19, or within 31 days of their 19th birthday,
  • The child continues to be incapacitated, and
  • Your coverage does not terminate for any other reason.