State RegulationsMA specificDifficulty 1/5
In Massachusetts, how long is the right to return period for a Medicare supplement policy under 211 CMR 71.13?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
211 CMR 71.13 gives a Medicare supplement purchaser in Massachusetts a 30-day right to return the policy. This is a distinctive Massachusetts figure: the product free-look table varies by product, and Medicare supplement is the longest at 30 days, while the 10-day figure belongs to the small individual life free look under M.G.L. c. 175, § 187H and the at-least-10-day long-term care free look under 211 CMR 65.101. Confusing the products' periods is the classic exam trap.
Why the other options are wrong
- A) 10 days is the period for an individual life policy with a face amount under $25,000 under M.G.L. c. 175, § 187H, and the minimum for long-term care policies — not for Medicare supplement.
- C) 20 days is the replaced life or annuity free-look period under 211 CMR 34.06(1)(d), a different product and transaction.
- D) No Massachusetts product carries a 6-month right to return; the Medicare supplement right to return is 30 days under 211 CMR 71.13.
Memory hook
Med supp is the marathon free look: 30 days to change your mind.