State RegulationsGA specificDifficulty 2/5
A policyholder in Savannah, Georgia pays the premium on her individual accident and sickness policy monthly and lets a payment slip past the due date. Under Georgia law, how many days of grace does she have to pay before coverage lapses?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under O.C.G.A. § 33-29-3(b)(3), Georgia's accident and sickness grace period follows the premium mode: 7 days weekly, 10 days monthly, and 30 days for all other policies. A monthly-premium policy gives the insured 10 days of grace, and coverage stays in force while payment is made during that period.
Why the other options are wrong
- A) 7 days is the weekly-mode grace period, not the monthly-mode figure.
- C) 20 days is not a Georgia accident and sickness grace period figure under any premium mode.
- D) 31 days is never the A&S grace period in Georgia — the rule is mode-based, never a flat figure.
Memory hook
Monthly mode = 10 days of grace; weekly 7, everything else 30.