State RegulationsNY specificDifficulty 1/5
A New York employee's group health coverage ends when her employment terminates. Under N.Y. Ins. Law §3221(e), how long does she have to apply for an individual converted health policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under N.Y. Ins. Law §3221(e)(1), a person whose group health coverage terminates has 60 days to apply for an individual converted policy without evidence of insurability. The 60-day window is the figure for group health conversion; the 31-day window belongs to group life conversion under N.Y. Ins. Law §3220. Confusing the two periods is one of the most common examination errors in this area of New York law.
Why the other options are wrong
- A) 31 days is the group life conversion application period under §3220(a)(6); group health conversion gets 60 days.
- B) 45 days is the extension granted after a late conversion notice, not the basic application window.
- D) 90 days is the outside cap after termination once extensions apply, not the ordinary application period.
Memory hook
Health converts in 60; life converts in 31 - keep the lines straight.