State RegulationsMI specificDifficulty 3/5
After a covered employee of a Michigan firm leaves the job, the plan administrator asserts that Michigan law requires the employer to provide continuation coverage for the same length of time as federal COBRA. What is the most accurate statement?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Michigan has no verified statutory continuation duration mirroring federal COBRA months; the section cited for continuation in the Michigan outline, M.C.L. 500.3708, is actually the small-employer special enrollment law, giving employees who lose other coverage a right to request re-enrollment within 30 days. The Michigan Department of Insurance and Financial Services (DIFS) treats continuation durations as federal COBRA content, so a blanket claim that Michigan mandates COBRA-identical continuation is wrong.
Why the other options are wrong
- A) No Michigan statute sets a continuation duration identical to federal COBRA for every employer size; duration numbers for continuation belong to federal law, not the Michigan Insurance Code.
- B) Extending federal COBRA to smaller employers is not a Michigan mandate; small-group continuation claims of that kind remain unverified in Michigan statute.
- C) Overstating in the other direction is also wrong — M.C.L. 500.3708 expressly preserves a re-enrollment right within 30 days of losing other coverage.
Memory hook
Michigan gives special enrollment, not a state COBRA clock.