State RegulationsFL specificDifficulty 2/5
A Florida employee pays the premium for her group health policy on a monthly basis. If a premium is not paid when due, the policy stays in force during the grace period. How long is that grace period?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under Fla. Stat. 627.608, the health policy grace period depends on the mode of premium payment: 7 days for weekly premium modes, 10 days for monthly modes, and 31 days for all other modes. Because this employee pays monthly, the 10-day grace period applies and the policy remains in force during it. Note also that the health grace period does not apply where the insurer gave at least 30 days' written notice of nonrenewal before the policy expired.
Why the other options are wrong
- A) Seven days is the grace period for weekly premium modes, not for monthly modes.
- C) The 31-day period applies to all modes other than weekly and monthly, not to every mode.
- D) Thirty days is the minimum life and annuity grace period under Fla. Stat. 627.453; health grace periods vary by mode.
Memory hook
Weekly 7, monthly 10, everything else 31 — health grace follows the mode.