State RegulationsMI specificDifficulty 3/5
An Ann Arbor employee's son is covered as a dependent under her group health plan while attending college, but he takes a medical leave of absence. A physician certifies the medical leave. Under Michigan law, how long may his dependent coverage continue?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
M.C.L. 500.2264a of the Michigan Insurance Code allows dependent-student coverage to continue for up to 12 months from the last day of attendance, or until the age limit, whichever is shorter, when a physician certifies the medical leave of absence. This rule is distinct from the disabled-dependent protection in M.C.L. 500.2264, which keys to proof of incapacity submitted within 31 days of attaining the age limit.
Why the other options are wrong
- B) 31 days belongs to the disabled-dependent proof window under M.C.L. 500.2264, not the student medical-leave extension.
- C) Reaching age 26 alone does not preserve coverage for a student who withdraws; the 12-month leave rule and physician certification govern under M.C.L. 500.2264a.
- D) 24 months overstates the statute; M.C.L. 500.2264a caps the extension at 12 months from the last day of attendance.
Memory hook
Medical-leave students keep coverage 12 months from the last day of class.