Is a totally dependent minor grandchild entitled to the same special death benefit as a totally dependent minor child?

Is a totally dependent minor grandchild entitled to the same special death benefit as a totally dependent minor child?

• A. Yes
• B. No
• C. Only if guardian consents
• D. Only if the parent is deceased

Answer: (A)

The key idea is that eligibility for the special death benefit rests on being a totally dependent minor, not on whether the dependent is a child or a grandchild. If the grandchild is totally dependent on the insured for support and is under the allowable age, they are treated the same as a totally dependent minor child for this benefit. Because dependency status drives the entitlement, the grandchild qualifies regardless of guardian consent or whether the parent is alive. The plan is designed to protect dependents who rely on the insured, so a totally dependent minor grandchild receives the same benefit as a totally dependent minor child.

The key idea is that eligibility for the special death benefit rests on being a totally dependent minor, not on whether the dependent is a child or a grandchild. If the grandchild is totally dependent on the insured for support and is under the allowable age, they are treated the same as a totally dependent minor child for this benefit.

Because dependency status drives the entitlement, the grandchild qualifies regardless of guardian consent or whether the parent is alive. The plan is designed to protect dependents who rely on the insured, so a totally dependent minor grandchild receives the same benefit as a totally dependent minor child.