State RegulationsNY specificDifficulty 1/5
Which statement correctly describes the handicapped dependent continuation required by N.Y. Ins. Law §3216(c)(4)(A)?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under N.Y. Ins. Law §3216(c)(4)(A), the policy must continue coverage of a dependent child past the limiting age while the child is incapable of self-sustaining employment by reason of mental or physical handicap and is chiefly dependent upon the insured for support and maintenance. The continuation tracks the ongoing handicap and dependency; it is not a fixed term, and it covers mental as well as physical conditions. Timely proof of the handicap within 31 days of the limiting age is the trigger for the extension.
Why the other options are wrong
- B) The statute expressly covers mental or physical handicaps alike; mental conditions are not carved out into a separate sickness category.
- C) There is no fixed statutory term; the coverage lasts as long as the incapacity and dependency continue.
- D) The rule addresses handicaps that exist when the child reaches the limiting age; it is not limited to disabilities arising afterward.
Memory hook
Cannot earn a living and still dependent = stay covered, whatever kind of handicap.