State RegulationsNY specificDifficulty 1/5
An insured's daughter is an unmarried full-time student at an accredited educational institution. Under N.Y. Ins. Law §3216(a)(4), through what age may she remain covered as a dependent child?
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
Under N.Y. Ins. Law §3216(a)(4), an unmarried dependent child who is a full-time student at an accredited educational institution may remain covered until age 23, even though the base limiting age is 19. The student extension recognizes that children who continue their schooling typically remain financially dependent on the insured. The insurer may require reasonable proof of full-time student status, such as enrollment verification each term.
Why the other options are wrong
- A) 19 is the base limiting age, which applies when no extension such as full-time student status applies.
- B) 25 is the optional extension age, which is not the figure tied to full-time student status.
- C) 29 is the optional young-adult age for an unmarried child living with a parent or financially dependent, not the student extension.
Memory hook
A backpack buys four more years: student status stretches dependency from 19 to 23.