State RegulationsMI specificDifficulty 2/5
A Michigan accident and health policy was reinstated after a premium default. Ten days after the reinstatement took effect, an insured in Flint is diagnosed with a covered sickness. Under M.C.L. 500.3411, how is this sickness loss treated?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
M.C.L. 500.3411 limits only the earliest days of reinstated coverage for illness: losses from sickness are covered only after the coverage has been in force for 10 days following reinstatement. A sickness loss arising on the 10th day satisfies that threshold and is covered under the reinstated policy.
Why the other options are wrong
- B: Sickness is not excluded entirely after reinstatement; it is only delayed for the first 10 days.
- C: The statute does not require proving when the sickness began relative to the default.
- D: 31 days is a grace-period figure for non-weekly, non-monthly premium modes, not the reinstatement sickness threshold.
Memory hook
10 sick days, then you are back on the books.