*Newborn children not named in your enrollment form are automatically covered from birth for injury or sickness, including treatment of congenital defects and birth abnormalities, for 31 days. You must notify the Plan Administrator in writing and pay the additional premium due within 31 days of birth for coverage to continue beyond this period. Insured children who are incapable of self-sustaining employment because of mental retardation or physical handicap -- and who are unmarried and chiefly dependent on the insured member for support and maintenance -- may continue coverage past policy age limits, with requested proof. Otherwise, each dependent child’s insurance terminates on the premium due date following the date he or she is no longer a dependent.