Coal mining under the Quaternary thick loose layer affects key strata breakage, Bed-separations development, ground subsidence, and other studies. This paper presents a method for solving the deflection of a large-deflection inclined thin plate under a thick loose-layer cover with additional lateral loads and midplane forces. The methods presented are based on the principle of large-deflection of thin-plate, energy method, and fracture mechanics theory. The 7225 work face in Anhui Province, China, was studied. Combined with the large-deflection inclined thin plate model, the initial breakage distance within the main roof plate was calculated to be 33 m with the initial breakage angle of 61.2°, and the period breakage distance was calculated to be 21 m with the period breakage angle of 55.4°. The distribution range of “Vertical Three Zones” from 7225 working face to the ground, including the height of the caved zone is 38.07 m, the height of the fractured zone is 41.13 m, and the height of the curved zone with the thick loose layer removed is 187.56 m. During the dynamic development of the principal key strata (PKS), the deflection value develops from 0 mm to 2714 mm with 7225 working face mining, and the maximum value of the spatial volume is 56,485 m3, which is verified by Three-dimensional Discrete Element Code (3DEC) numerical simulation. The dynamic development of Bed-separation within the overlying strata, with a maximum development height of 545.2 mm and a maximum volume of 11,228.1 m3 of the Bed-separation cavity. The dynamic development of the Bed-separation height and the cavity under different mining length and width conditions of the working face are also discussed. The large-deflection inclined thin plate model proposed in this paper effectively explores the dynamic deflection and fragmentation law of the overlying strata induced by the inclined working face of Longwall mining and provides a theoretical basis and computational model for quantitatively evaluating the dynamic development of the Bed-separation cavity.