State RegulationsCO specificDifficulty 2/5
An employee's group life coverage under a Denver employer's plan terminates because she leaves her job. Under Colorado group life provisions (C.R.S. § 10-7-201 through 207), what right does she generally have?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Colorado's group life provisions, C.R.S. § 10-7-201 through 207, give a departing member whose group coverage ends the right to convert to an individual life policy without evidence of insurability. Conversion preserves protection for someone who might otherwise be uninsurable after leaving the group, subject to the individual policy's terms and premium.
Why the other options are wrong
- B) Group coverage is tied to active membership in the group; a terminated employee cannot keep the master policy's coverage indefinitely.
- C) Requiring a medical exam for conversion would defeat the purpose of the right, which is available without evidence of insurability.
- D) The provisions give the member conversion rights, not a guarantee of continued employer premium contributions.
Memory hook
Leave the group, keep the coverage — convert without a medical.