What requirement applies to a handicapped child regarding health insurance coverage upon reaching limiting age?

Study for the Florida Insurance Law and Rules Test. Explore interactive flashcards and multiple-choice questions, each with detailed explanations. Prepare for success on your exam!

In Florida insurance law, when a child reaches the limiting age for dependent coverage under a health insurance policy, specific requirements apply to ensure that a handicapped child can continue to receive health insurance benefits. The correct requirement is that the child must be incapable of employment.

This condition recognizes that a handicapped child may not have the ability to work due to their disability, which would otherwise disqualify them from being considered a dependent under standard policy provisions. Therefore, if the handicapped child is unable to secure employment due to their condition, they may continue to remain covered under their parent's health insurance plan beyond the usual age limit.

Other options such as being financially independent, enrolled in college, or having a seasonal job do not pertain to the criteria related to the continuation of health insurance coverage for a handicapped child. Financial independence and employment capability do not factor into the determination of a child's eligibility for ongoing coverage, while being enrolled in college or having part-time work does not specifically address the implications of disability regarding health insurance. Thus, the focus on the child's capability of employment is critical in maintaining health insurance protection for such children.

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