State RegulationsNY specificDifficulty 2/5
A dependent child covered under a New York individual health policy has just reached the policy's dependent age limit. The child is disabled and incapable of self-sustaining employment. To continue the child's coverage, proof of the disability must be furnished to the insurer within:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under N.Y. Ins. Law §3216(c)(4)(A), when a covered dependent child is disabled, coverage may continue beyond the age limit if proof of the disability is furnished within 31 days after the dependent reaches that age. The extension is the statutory exception that keeps a handicapped child insured after the ordinary cutoff passes.
Why the other options are wrong
- A) The window is longer than this; a 10-day deadline is not the statutory rule.
- B) 45 days belongs to other New York health timing rules, not this proof window.
- C) 60 days is the group health conversion window, not the disabled-dependent proof period.
Memory hook
Handicapped dependent: proof of disability within 31 days of the cutoff.