State RegulationsNY specificDifficulty 2/5
An employee whose employment ends loses her group life coverage in New York. She wants to convert to an individual life policy. Within what period must she apply?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under N.Y. Ins. Law §3220(a)(6), a person whose group life coverage terminates may convert to an individual policy by applying within thirty-one days of the qualifying event. The insurer must notify the person of the conversion privilege within fifteen days before or after the event, but the thirty-one-day window is the employee's own application deadline.
Why the other options are wrong
- A) Sixty days is the group health conversion period under §3221(e)(1); group life converts in thirty-one days under §3220.
- B) Fifteen days is the insurer's notice period for the conversion privilege, not the employee's application deadline.
- D) Forty-five days is the extension that follows a late conversion notice, not the basic application window.
Memory hook
Group life converts in thirty-one days; group health waits sixty.