35. Under an individual Medical Expense policy, a newborn child who is permanently and totally disabled will be covered:
Answer: C
A newborn child who is permanently and totally disabled will be covered for as long as the policy is in force.
A newborn child who is permanently and totally disabled is entitled to coverage under an individual Medical Expense policy for as long as the policy remains active.
A) through age 26
This option is incorrect because coverage until age 26 typically applies to dependents, but it does not specifically address the situation of a permanently and totally disabled newborn. The key factor in this case is the ongoing status of the policy rather than a fixed age limit.
B) until they reach the limiting age
This choice is also incorrect as it implies that the coverage is contingent upon reaching a specific age limit. However, for a newborn who is permanently and totally disabled, the coverage continues as long as the policy is active, regardless of age.
C) for as long as the policy is in force
This option is correct because it directly addresses the unique situation of a permanently and totally disabled newborn. Such coverage remains effective as long as the individual Medical Expense policy is maintained by the parents.
D) as long as the parents stay married
This statement is incorrect since the coverage of a disabled child is not dependent on the marital status of the parents. The policy's terms regarding disability coverage do not change based on whether the parents remain married or not.
Conclusion
The correct answer is C because it accurately reflects the policy's provisions for a permanently and totally disabled newborn, ensuring coverage for as long as the policy is active. Options A, B, and D fail to address the specific stipulation regarding the child's disability and the implications it has for ongoing coverage, making them incorrect.