State RegulationsVA specificDifficulty 2/5
An employee covered under her employer's Virginia group life plan leaves the job. Under Va. Code § 38.2-3330, she is entitled to:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Va. Code § 38.2-3330 provides the conversion right that follows the loss of group life coverage: when the employee's coverage under the group plan ceases, she may apply for an individual life policy without evidence of insurability, within the limits of the conversion framework. Conversion is the bridge between group and individual coverage, and its signature feature is that no medical underwriting stands between the departing employee and the individual policy.
Why the other options are wrong
- A) Group coverage does not continue forever at the employer's expense; the statutory remedy is conversion to an individual policy under Va. Code § 38.2-3330.
- B) The loss of group coverage is precisely what triggers the conversion right; Va. Code § 38.2-3330 does not leave the departing employee empty-handed.
- C) The employer has no duty to buy the individual policy; the employee exercises her own conversion right under Va. Code § 38.2-3330.
Memory hook
Leave the group, keep the bridge: convert with no medical exam.