State RegulationsMI specificDifficulty 2/5
Marcus of Kalamazoo has a health policy covering dependents. His son turns the limiting age next month; the son is unmarried and incapable of self-support because of a physical disability. Under Michigan law, what must Marcus do so coverage is not terminated?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under M.C.L. 500.2264, a Michigan policy may not terminate a dependent child's coverage at the age limit when the child is unmarried and incapable of self-support due to a developmental or physical disability, but satisfactory proof must be submitted within 31 days after attaining the age limit. Missing the 31-day window risks termination, and the Michigan Department of Insurance and Financial Services (DIFS) treats the statute as the governing standard.
Why the other options are wrong
- A) Coverage is protected only while the statutory conditions are met and the proof deadline under M.C.L. 500.2264 is satisfied.
- B) 12 months is the student-medical-leave continuation period under M.C.L. 500.2264a, not the disabled-dependent proof deadline.
- C) M.C.L. 500.2264 continues the existing dependent coverage; it does not require buying a new individual policy.
Memory hook
Birthday plus 31: file the disability proof or lose the extension.