State RegulationsNY specificDifficulty 2/5
To keep a newborn covered under N.Y. Ins. Law §3216(c)(4)(C), within what period must the insured make application to include the child and give notice to the insurer?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under N.Y. Ins. Law §3216(c)(4)(C), the insured must make application to include the newborn and give the required notice within 30 days of the birth. The newborn is covered from the moment of birth, and the timely application and notice preserve that coverage going forward. Parents should calendar the deadline immediately so the child's protection never lapses while the family attends to the new arrival.
Why the other options are wrong
- A) 15 days is the notice period associated with conversion privilege notifications, not the newborn application window.
- C) 31 days is the proof window for the handicapped dependent continuation, not the newborn application period.
- D) 60 days is the group health conversion application period, which is a different mechanism entirely.
Memory hook
Newborn paperwork: 30 days from birth to apply and notify.