State RegulationsNY specificDifficulty 1/5
If proof of a dependent child's disability is furnished within the required period, what is the effect on the child's coverage?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under N.Y. Ins. Law §3216(c)(4)(A), timely proof of a dependent child's disability means the coverage continues even though the dependent age limit has been reached. No reapplication, evidence of insurability, or hospitalization is required; the handicap extension simply carries the coverage past the cutoff.
Why the other options are wrong
- A) No new application or underwriting is required; the existing coverage continues.
- C) There is no refund mechanism; the point of the provision is continuation, not termination.
- D) Hospitalization is not a condition of the extension; disability is.
Memory hook
Timely proof keeps a disabled child on the policy past the age wall.