A dependent child reaches the policy's limiting age but is incapable of self-sustaining employment because of a mental handicap and remains chiefly dependent on the insured. Under N.Y. Ins. Law §3216(c)(4)(A), what must occur for the child's coverage to continue?

Why B is correct

Under N.Y. Ins. Law §3216(c)(4)(A), when a dependent child reaches the limiting age but is incapable of self-sustaining employment by reason of mental or physical handicap and is chiefly dependent on the insured, coverage continues if proof of the handicap is furnished to the insurer within 31 days after the limiting age is reached. Once the proof is timely, the extension lasts as long as the handicap and dependency continue. Missing the 31-day proof window can forfeit the extension, so agents should alert families before a disabled child ages out.

Why the other options are wrong

• A) No reapplication or evidence of insurability is required; the statutory mechanism is timely proof of the handicap, not new underwriting.
• C) Continuation is not automatic; the statute conditions it on proof of the handicap furnished within the 31-day window.
• D) The proof period is 31 days after the limiting age; 90 days is the outer cap in the group conversion rules, not the deadline here.

Memory hook

Handicap proof in 31 days keeps a disabled child on the policy.