Common use of Incapacitated Children Clause in Contracts

Incapacitated Children. An Employee may have an unmarried child with a mental or physical handicap, or developmental disability, who is incapable of earning a living. Subject to all of the terms of this section and the plan, such a child may stay eligible for Dependent health benefits past this Contract's age limit for eligible Dependents. The child will stay eligible as long as the child is and remains unmarried and incapable of earning a living, if: the child's condition started before he or she reached this Contract's age limit; the child depends on the Employee for most of his or her support and maintenance; and the child became covered by this Contract or any other policy or contract before the child reached the age limit and stayed continuously covered after reaching such limit. But, for the child to stay eligible, the Employee must send Us written proof that the child is handicapped or developmentally disabled and depends on the Employee for most of his or her support and maintenance. The Employee has 31 days from the date the child reaches the age limit to do this. We can ask for periodic proof that the child's condition continues. But, after two years, We cannot ask for this more than once a year. The child's coverage ends when the Employee's coverage does.