A child covered under an Ohio A&H policy is incapable of self-sustaining employment by reason of intellectual or physical disability and is primarily dependent on the policyholder. Within what period after attaining the limiting age must proof of the incapacity and dependency be furnished for coverage to continue past that age?

Why C is correct

Under ORC 3923.24, a child incapable of self-sustaining employment because of intellectual or physical disability who is primarily dependent on the policyholder is not terminated at the limiting age, but proof of the incapacity and dependency must be furnished within 31 days of attaining that age. The insurer may then re-request proof no more than annually after the first two years.

Why the other options are wrong

• A) 10 days is the individual A&H free-look period under ORC 3923.31, not the proof window.
• B) 20 days relates to notice of claim under the A&H standard provisions, not the incapacity-proof deadline.
• D) 90 days is the proof-of-loss window in the A&H standard provisions, not the 31-day incapacity-proof deadline.

Memory hook

Disabled past 26? Prove it in 31 days — the same number as the newborn notice window.