State RegulationsMI specificDifficulty 3/5
An insured under a Michigan accident and health policy is receiving loss-of-time benefits that will be payable for 2 years or longer, and keeping up with continuing written notices has become burdensome. Under M.C.L. 500.3412, what option does the law provide?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
M.C.L. 500.3412 gives an insured whose loss-of-time benefits are payable for 2 years or longer the option to elect a 6-month continuation-notice schedule. This relieves long-duration claimants from frequent filings while keeping the insurer informed of the continuing disability.
Why the other options are wrong
- A: The notice duty continues; the statute lengthens the interval rather than ending the obligation.
- B: The statute does not allow the insurer to simply waive the notice structure for long claims.
- C: Monthly notice would be more burdensome than the statutory 6-month option the insured may elect.
Memory hook
Long claims, long leash — check in every 6 months.