State RegulationsNY specificDifficulty 1/5
An Albany couple's son is a covered dependent who is about to reach the base dependent age. He is enrolled as a full-time student at a university in another state. Under New York law, his dependent coverage may be continued until he reaches age:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under N.Y. Ins. Law §3216(a)(4), an unmarried dependent child who is a full-time student may be continued to age 23, a higher tier than the base dependent age of 19. Group policies follow the parallel continuation rule in N.Y. Ins. Law §4235(f)(1)(2). The other figures belong to the hospital/medical/surgical tier and the optional extension.
Why the other options are wrong
- A) 19 is the base dependent age that applies without the student status.
- C) 26 is the statutory tier for hospital, medical, surgical and prescription coverage, not the student continuation age.
- D) 29 is the optional young-adult extension, not the student tier.
Memory hook
Full-time student keeps the card to 23.