Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A group health plan may continue dependent coverage beyond the normal age limit for a dependent child who:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Group health plans commonly permit coverage to continue for a dependent child beyond the stated age limit when the child is incapable of self-support because of a physical or mental disability and remains chiefly dependent on the employee. The insurer may require proof of the disability within a stated period. This protects families whose disabled children could never become self-supporting, a standard dependent-coverage rule alongside the ACA's age-26 provision.
Why the other options are wrong
- B) Graduating from college does not create a disability exception; the age limit applies unless a covered disability exists.
- C) Marriage and moving to another state do not extend dependent coverage beyond the age limit under the disability exception.
- D) A dependent who takes a full-time job with benefits is not incapable of self-support, so the disability exception would not apply.
Memory hook
Age cap lifts for a child who cannot self-support. Disability, not diplomas, extends dependent care.