Under what condition can a handicapped child extend their health insurance coverage as a dependent upon reaching the limiting age?

A handicapped child can extend their health insurance coverage as a dependent upon reaching the limiting age typically if they are incapable of self-sustaining employment and are chiefly dependent on the policyowner for support. This provision is designed to protect families financially and ensure that those with disabilities have continued access to healthcare, recognizing that traditional age limits on coverage can be inadequate for families with children who cannot provide for themselves due to physical or mental handicaps.

This condition underscores the principle that health insurance should accommodate the unique needs faced by families with disabled dependents, allowing for additional reliance on the policyholder.

The other options focus either on arbitrary time limitations, physical disability only, or mental disability only, which do not encompass the comprehensive requirements set forth for extending coverage. The focus on comprehensive dependence and capability for self-support is crucial in these situations.