A Michigan employee wants to keep her unmarried adult son, who is incapable of self-support due to a developmental disability, covered past the plan's dependent age limit. Within what period after the child attains the age limit must satisfactory proof be submitted?

Why A is correct

M.C.L. 500.2264 of the Michigan Insurance Code prevents termination of coverage at the age limit for an unmarried child incapable of self-support due to a developmental or physical disability, provided satisfactory proof is submitted within 31 days after attaining the age limit. Missing that window can cost the dependent continued coverage, so families should act promptly when a child approaches the limit.

Why the other options are wrong

• B) 60 days is the claim-interest trigger period under M.C.L. 500.2006, not the disabled-dependent proof window in M.C.L. 500.2264.
• C) 90 days is the A&H proof-of-loss period under M.C.L. 500.3414, not the deadline for submitting disability proof.
• D) A 1-year backstop governs late A&H proof of loss under M.C.L. 500.3414; the disabled-dependent window is far shorter.

Memory hook

31 days to prove a disabled dependent's continued coverage.