In a situation where an adolescent is covered by two insurance policies, which policy is primary if the parents’ birthdays are in May and August?

The correct answer arises from the "birthday rule," which is commonly used to determine which insurance policy is considered primary when an adolescent is covered by two policies due to parental coverage. Under this rule, the policy of the parent whose birthday falls earliest in the calendar year is designated as the primary policy.

In this scenario, since one parent has a birthday in May and the other in August, the parent with the May birthday has the earlier birthday in the year. As a result, their policy will be the primary coverage for the adolescent.

This birthday rule applies specifically when both parents are covered under their own insurance policies and is a widely accepted method for resolving primary and secondary coverage issues. The other choices do not adhere to this widely accepted guideline, hence the preference for the policy of the parent with the earlier birthday.