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

• A. Benefits stop.
• B. Benefits are redistributed to other dependents.
• C. Benefits convert to a PD award.
• D. Death benefits continue lifelong.

Answer: (D)

When a dependent is physically or mentally incapacitated, their status as a dependent can extend beyond age 18. The impairment means they still rely on the worker and cannot support themselves, so the plan continues to treat them as a dependent even after reaching adulthood. In this framework, death benefits (which are paid to dependents on the worker’s death) are intended to provide ongoing financial support for those who remain dependent; since the incapacitated dependent remains eligible for support for life, the death benefits continue lifelong to that dependent. This protects the dependent's financial needs whenever the worker’s death occurs, rather than stopping at a discretionary age.