When a child is covered by separate insurance policies through a parent, the policy of which parent is considered primary?
The parent whose birthday falls last
The parent whose birthday falls first
The father
The mother
The parent whose birthday falls first
Rationale: When a child is covered by separate insurance policies through a parent, the policy of the parent whose birthday falls first (in the calendar year) is considered primary. This does not mean which parent is older, just which one whose birthday occurs first every year. It is sometimes referred to as the "birthday rule".
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