Under what condition can a policyholder ensure a handicapped child's coverage continues?

A policyholder can ensure a handicapped child's coverage continues under the condition that the child is incapable of employment. This provision is crucial as it recognizes the unique needs of children with disabilities who may not be able to support themselves due to their condition.

Insurance policies often contain specific provisions that allow for the continuation of coverage for dependents who are disabled beyond the typical age limit that applies to other dependents. This reflects the understanding that a handicapped child may rely on their parents for support and healthcare needs throughout their lives, rather than becoming independent in adulthood as is the expectation for most children.

Other options do not guarantee the continuation of coverage. For instance, being a full-time student may not necessarily correlate with the child's ability to work or their ongoing dependence on their parents for support. Likewise, a policyholder's income, while relevant to overall financial responsibility, does not affect the specific provisions for dependent coverage in this context. Marriage could also signify independence; thus, it would not automatically secure coverage for a handicapped child. Hence, the key factor is the child's inability to achieve self-sufficiency due to their disability, making incapability of employment the correct answer for ensuring ongoing coverage.