State RegulationsOH specificDifficulty 2/5
A policyholder's unmarried son turns the limiting age of 26, lives with the parent, and is entirely supported by the parent, but a physician confirms he is capable of self-sustaining employment. Under ORC 3923.24, may his coverage continue past age 26?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
The past-26 continuation in ORC 3923.24 is reserved for an unmarried child incapable of self-sustaining employment by reason of intellectual or physical disability who is primarily dependent on the policyholder, with proof furnished within 31 days of attaining the limiting age. Financial support and co-residence alone do not satisfy the incapacity requirement, so the son's coverage ends at the limiting age.
Why the other options are wrong
- A) Dependency alone is insufficient; ORC 3923.24 also requires incapacity for self-sustaining employment from an intellectual or physical disability.
- B) Residency is one of the to-26 conditions, but continuing past 26 under ORC 3923.24 requires the disability-based incapacity.
- C) Paying an additional premium does not create eligibility; the statute's incapacity requirement is not waivable by payment.
Memory hook
Support and a roof don't extend coverage — the disability does.