State RegulationsCO specificDifficulty 3/5
A Boulder employee's group life coverage ends when she leaves her job. Under Colorado group life law, what conversion right does she generally have?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
A core protection of Colorado group life law (C.R.S. § 10-7-201 to 207) is the conversion privilege: when group coverage terminates because membership or employment ends, the member may elect an individual policy without evidence of insurability. This prevents people from losing all life protection simply because they changed jobs. The individual policy carries its own premium basis, but the right to convert does not depend on proving good health.
Why the other options are wrong
- A) Requiring a new medical exam would gut the privilege; the whole point is conversion without evidence of insurability.
- C) The group master coverage ends with employment; what continues is an individual converted policy, not the group rate.
- D) The conversion right belongs to the member by statute, not by the employer's continued premium support.
Memory hook
Leave the job, keep the coverage — convert with no health questions asked.