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…Disabled Child means your unmarried child who, on and after the date on which AD&D Insurance
would end because of the child's age, is continuously:
1. Incapable of self-sustaining employment because of mental retardation or physical handicap;
and
2. Chiefly dependent upon you for support and maintenance, or institutionalized because of mental
retardation or …
https://www.wichita.edu/services/humanresources/Total_Rewards/docs/CertificateADDInsurance.pdf