State RegulationsNY specificDifficulty 2/5
For a dependent child whose disability qualifies for the New York continuation exception, when does the period for furnishing proof of disability begin to run?
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 C is correct
Under N.Y. Ins. Law §3216(c)(4)(A), the proof window runs from the moment the dependent reaches the age at which coverage would otherwise end. The trigger is the age cutoff itself, not the onset of the disability, an insurer's notice, or a policy anniversary. Missing that starting point is a common way families lose the extension.
Why the other options are wrong
- A) The date the disability began has no role in starting the statutory proof window.
- B) No insurer notice starts the clock; the age limit does.
- D) The anniversary date is irrelevant; the statute ties the window to the age cutoff.
Memory hook
The clock starts at the age wall, not the diagnosis.