What is required as proof of dependency for a child who has reached the maximum coverage age?

The requirement for proof of dependency for a child who has reached the maximum coverage age is indeed that it must be submitted within 31 days of attaining that age and then annually after a subsequent period of two years. This is commonly a stipulation within many group health insurance policies and reflects the need for insurers to verify ongoing eligibility for coverage.

In the case of children who age out of dependent status, insurers use these deadlines to ensure that coverage continues only for those individuals who still meet the necessary requirements for being considered dependents, such as being enrolled in school or continuing to live with the insured parent.

By establishing a timeframe both initially and annually afterward, the insurer maintains the integrity of their risk pool while also providing a structure for policyholders to ensure their dependents remain eligible for coverage. This practice balances the need for maintaining insurance benefits for eligible dependents while also protecting the insurer from unexpected increases in risk from ineligible individuals.