State RegulationsNY specificDifficulty 1/5
A local labor union in Rochester wants accident and health coverage for its working members. Under N.Y. Ins. Law §4235, how may this coverage be written?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under N.Y. Ins. Law §4235(c)(1)(C), a group accident and health policy may be issued to a labor union, which is deemed the policyholder, insuring its members with or without evidence of insurability satisfactory to the insurer. The union may cover all members or any class of members determined by conditions pertaining to their employment or union membership.
Why the other options are wrong
- B) §4235(c)(1)(C) expressly makes the union itself an eligible policyholder; routing the coverage through member employers is not required.
- C) Members do not apply individually; eligibility flows from membership in the eligible union group.
- D) The policyholder is the union as an entity, not any officer or member in a personal capacity.
Memory hook
Union = policyholder: §4235 lets the union buy the coverage for its members.