Group coverage for a handicapped dependent child may be continued if the primary insured submits...

A group health policy that terminates dependent-child coverage at a stated limiting age must continue coverage for an eligible dependent child who remains incapable of self-sustaining employment because of a qualifying disability and who remains dependent on the insured group member for support and maintenance. To preserve that continuation right, the required proof must be furnished within 31 days after the child reaches the policy’s limiting age.

This is a time-sensitive protection. The purpose is to prevent automatic termination of coverage solely because a dependent reaches the normal age limit when the child remains disabled and financially dependent. After initial proof is provided, the insurer may require continuing proof of incapacity and dependency, but it may not demand that proof more often than permitted by law.

The 31-day rule should be distinguished from notice periods for newborn coverage, conversion rights, premium grace periods, and claim notices. Each insurance provision may use a different time period, so examination questions often test the exact statutory deadline.

Study Guide references/topics: group health dependents; limiting age; continuation of coverage; NRS 689B.035 .

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