What is typically required within 31 days of an adult disabled child reaching age 18?

When an adult disabled child reaches the age of 18, it is common for insurers to require proof of incapacity or dependency in order to continue providing coverage. This requirement stems from the fact that many health and life insurance policies have specific criteria that define eligibility for dependent coverage. At age 18, an adult child is no longer automatically considered a dependent unless they meet certain conditions, such as being disabled and reliant on their parents for support.

Insurers often ask for documentation that demonstrates the child's continued incapacity or dependency status. This serves to verify that the individual continues to meet the criteria for coverage under the parent's policy or requires a separate policy that accommodates their needs as an adult. Understanding this requirement is crucial for policyholders to ensure their disabled adult children maintain necessary insurance protection as they transition into adulthood.