What happens when a physically or mentally incapacitated dependent turns 18?

What happens when a physically or mentally incapacitated dependent turns 18?

• A. Benefits terminate
• B. They lose benefits
• C. Nothing. Death benefits continue lifelong
• D. They switch to survivor benefits

Answer: (C)

When a dependent is physically or mentally incapacitated, age alone does not end their eligibility for benefits. If the incapacity existed before turning 18 and continues, the dependent remains eligible for ongoing benefits, including any death-related survivor benefits, for life. The plan’s purpose here is to protect someone who cannot support themselves, so reaching 18 does not automatically terminate or switch their benefits. The key point is that disability status governs eligibility, not age, so nothing changes at 18 as long as the incapacitation continues.

When a dependent is physically or mentally incapacitated, age alone does not end their eligibility for benefits. If the incapacity existed before turning 18 and continues, the dependent remains eligible for ongoing benefits, including any death-related survivor benefits, for life. The plan’s purpose here is to protect someone who cannot support themselves, so reaching 18 does not automatically terminate or switch their benefits. The key point is that disability status governs eligibility, not age, so nothing changes at 18 as long as the incapacitation continues.