Aflac Pre-Certification Practice Exam 2026 - Free Aflac Exam Practice Questions and Study Guide

When a handicapped child seeks to keep medical plan coverage beyond the usual age limit, two things are required: incapacity and dependency. Incapacity means the child cannot support themselves due to a physical or mental disability that began before reaching the age limit. Dependency means the child still relies on the insured for support and care at the time the coverage would terminate. Both conditions are needed to verify that continued coverage is truly for someone who is disabled and dependent, not for someone who is simply past the age limit.