State RegulationsMI specificDifficulty 2/5
A Flint employee requests enrollment of a newly adopted child during the dependent special enrollment period under Michigan's small-employer law. When does the child's coverage take effect?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
M.C.L. 500.3708(4) of the Michigan Insurance Code provides a dependent special enrollment period of at least 30 days after marriage, birth, or adoption, and coverage for a birth or adoption is effective as of the event date itself. A parent who acts within that window does not lose days of coverage to paperwork processing or underwriting.
Why the other options are wrong
- A) Delaying effect to the next month would conflict with the event-date effectiveness required by M.C.L. 500.3708(4).
- B) Special enrollment is not conditioned on new underwriting; the statute mandates enrollment within the period.
- D) The effective date is the birth or adoption event itself, not the date the request is filed.
Memory hook
Adoption or birth: coverage starts the day it happens.