(1) For the purposes of this section:

1. (a) "Dependent with a disability" means a child who is and continues to be both:

   1. (i) unable to engage in substantial gainful employment to the degree that the child can achieve economic independence due to a medically determinable physical or mental impairment which can be expected to result in death, or which has lasted or can be expected to last for a continuous period of not less than 12 months; and
   2. (ii) chiefly dependent upon an insured for support and maintenance since the child reached the age specified in Subsection 31A-22-610.5(2).

2. (b) "Mental impairment" means a mental or psychological disorder such as:

   1. (i) an intellectual disability;
   2. (ii) organic brain syndrome;
   3. (iii) emotional or mental illness; or
   4. (iv) specific learning disabilities as determined by the insurer.

3. (c) "Physical impairment" means a physiological disorder, condition, or disfigurement, or anatomical loss affecting one or more of the following body systems:

   1. (i) neurological;
   2. (ii) musculoskeletal;
   3. (iii) special sense organs;
   4. (iv) respiratory organs;
   5. (v) speech organs;
   6. (vi) cardiovascular;
   7. (vii) reproductive;
   8. (viii) digestive;
   9. (ix) genito-urinary;
   10. (x) hemic and lymphatic;
   11. (xi) skin; or
   12. (xii) endocrine.