An employer must initiate a self-insurance program within six months to avoid reapplication. Which option matches this requirement?

• A. 4 months
• B. 6 months
• C. 8 months
• D. 12 months

Answer: (B)

The window to start a self-insurance program is six months. This six‑month deadline ensures the employer promptly demonstrates the ability to meet ongoing funding, loss control, and regulatory obligations, and it keeps the self‑insurance process moving without gaps in coverage. If the program isn’t initiated within six months, the employer must go through the full reapplication process again, which can mean submitting updated financials, risk controls, and other regulatory requirements and waiting for review anew. The other time frames don’t fit the requirement because they either shorten or extend the window beyond what the rules specify, which is why six months is the correct match.