What happens if my child has a disability? Will he lose his coverage when he turns 18 or 19?
Not necessarily. If a child was covered under the parent’s insurance prior to turning 18 or 19 years of age, and due to a disability is unable to support him or herself, the insurance company must continue covering the over-age child, as long as the child remains chiefly dependent on his parent(s) support because of the disability. The company can periodically ask you for proof that your child’s condition is ongoing, but no more than once a year. Information from a physician may be required.
