State RegulationsFL specificDifficulty 2/5
A Florida employee carries his wife as a dependent under his group life plan. They divorce. What is the general effect on her dependent coverage?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Chapter 627, Florida Statutes, dependent coverage follows the family relationship: a former spouse is no longer an eligible dependent after divorce, so the ex-wife's dependent coverage terminates. Dependent coverage is tied to the employee's plan, not the dependent's own rights, so it does not automatically convert to an individual policy the way the employee's own coverage can.
Why the other options are wrong
- A) Divorce ends spousal dependent status; the employer cannot keep the ex-spouse on as a dependent.
- B) The conversion privilege belongs to the employee's coverage; a dependent's coverage simply ends.
- D) Coverage does not migrate to other family members; each dependent's status is evaluated separately.
Memory hook
Divorce ends dependent status, and with it the coverage.