State RegulationsMI specificDifficulty 2/5
An insurer asserts that a policyholder's adopted child is ineligible for dependent coverage solely because the child is adopted rather than a biological child. Under Michigan law, is the child covered?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
M.C.L. 500.4426 requires coverage of adopted children under Michigan dependent coverage, so being adopted is not a lawful basis to deny eligibility. The Michigan Department of Insurance and Financial Services (DIFS) can act against an insurer applying a biological-child-only rule.
Why the other options are wrong
- B) The adopted-children mandate in M.C.L. 500.4426 defeats a biological-only reading of the policy.
- C) The timing of the adoption relative to policy issuance is not a condition in M.C.L. 500.4426.
- D) No prior-written-approval condition appears in the Michigan adopted-children provision.
Memory hook
Adopted, not rejected — 4426 covers the child either way.