Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
An 'extension of benefits' provision in a medical expense policy generally:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
An extension of benefits provision protects an insured who is totally disabled or confined to a hospital when the policy terminates, for example because of nonrenewal or a change of coverage. Benefits continue for the covered condition for a stated limited period, often up to a maximum number of months, so that the insured is not cut off in the middle of treatment. It does not extend the policy generally, extend employment-related coverage, or add new people to the contract.
Why the other options are wrong
- A) A guarantee of renewal at the same premium relates to renewability provisions, not to continuation of benefits after termination.
- B) Continuing coverage while employed describes employer-group continuity, not the extension-of-benefits clause in a policy.
- D) Adding dependents after the policy ends would be an open enrollment or late application feature, not an extension of benefits.
Memory hook
If the policy dies while you are sick in bed, extension of benefits keeps paying until you recover or the limit runs out.