State RegulationsMI specificDifficulty 2/5
A Michigan college student certified by a physician takes a medical leave of absence before reaching the dependent age limit. Under M.C.L. 500.2264a, how long may her dependent coverage continue?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
M.C.L. 500.2264a continues dependent-student coverage during a certified medical leave for up to 12 months from the last day of attendance, but never beyond the dependent age limit — the shorter period controls. A physician certification is required, and the Michigan Department of Insurance and Financial Services (DIFS) treats this as a required Michigan continuation.
Why the other options are wrong
- A) The dependent age limit still caps coverage even during a certified medical leave under M.C.L. 500.2264a.
- C) Returning to school or graduating is not the statutory measure — the 12-month clock runs from the last day of attendance.
- D) 31 days is the disabled-dependent proof window under M.C.L. 500.2264, not the student-medical-leave period.
Memory hook
Leave clock: 12 months or the age limit — whichever ends first.