State RegulationsFL specificDifficulty 1/5
Where can a covered employee find the terms of his conversion rights under a Florida group life plan?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Chapter 627, Florida Statutes, each insured employee receives an individual certificate that states the essential features of his coverage, including the conversion rights that arise when coverage terminates. The master policy is held by the policyholder, but the employee is not left without documentation - the certificate is his evidence of coverage and spells out what he can do on leaving the group.
Why the other options are wrong
- A) The conversion rights appear in the employee's own certificate, not exclusively in the master policy.
- B) The HR manual may summarize benefits, but it is not the legal source of the conversion terms.
- C) The Florida Administrative Code is not where an employee's individual conversion terms are found.
Memory hook
Your certificate is your map to your conversion rights.