If a handicapped child is covered under an individual health policy and coverage needs to continue beyond the policy's age limit, what is required?

In Connecticut, when an individual health policy has an age limit for coverage and there is a handicapped child involved, the continuation of coverage beyond that age limit is typically contingent upon providing proof of incapability and dependency. This requirement is in place to ensure that the insurer is aware of the child's ongoing condition and the necessity for continued coverage due to their inability to be self-sufficient or financially independent.

This policy protects not only the interests of the insurer but also ensures that families with handicapped children can secure necessary medical care without interruption. By requiring proof of incapability and dependency, the system can assess the ongoing need for coverage based on the individual's special circumstances rather than solely on age.

The other choices do not directly address the criteria set forth in Connecticut law for extending coverage, as the necessity for financial stability or healthcare provider approval may not be relevant in this context compared to the specific requirements around incapacity and dependency. A formal request from the parents is also not sufficient on its own without the necessary documentation proving the conditions for continued coverage.