State RegulationsMI specificDifficulty 2/5
An accident and health policy is sold in Michigan by direct-mail solicitation to a person eligible for Medicare. Under M.C.L. 500.3409, which right-to-examine period applies to this policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
M.C.L. 500.3409 lengthens the free-look period to 30 days for accident and health policies sold by solicitation to Medicare-eligible persons. The extended window recognizes the vulnerability of that audience to mail-order sales and gives them a full month to return the policy for a refund.
Why the other options are wrong
- A: The statute applies and actually extends the period for Medicare-eligible solicitations beyond the standard 10 days.
- B: 15 days is the period for furnishing claim forms, not a free-look period.
- D: 45 days is the automatic reinstatement trigger under the reinstatement provision, not a right-to-examine period.
Memory hook
Medicare mail gets a full month to reconsider.