State RegulationsNY specificDifficulty 2/5
A New York insured gives birth and wants the child's coverage to continue under the family policy. The insured must apply for coverage of the newborn and give notice of the birth within:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under N.Y. Ins. Law §3216(c)(4)(C), the covered newborn is protected from birth, and the insured must apply for the child's coverage and give notice of the birth within 30 days. Timely notice and application convert the automatic birth coverage into continuing coverage under the family policy.
Why the other options are wrong
- A) The statutory window is longer than 10 days.
- B) 31 days is the disabled-dependent proof window, not the newborn notice period.
- C) 60 days is the group health conversion window, not the newborn deadline.
Memory hook
Newborn paperwork: 30 days for notice and application.