Under California Insurance Code Section 10209, an insured employee whose group life coverage has terminated was never given the required notice of the conversion right at least 15 days before the conversion period expired. What is the effect on the employee's conversion privilege?

Why A is correct

Section 10209(b) provides that if the employee is not given notice of the conversion right at least 15 days before the conversion period expires, the employee receives an additional period to exercise the right. That additional period expires 25 days after the notice is given, but in no event may it extend beyond 60 days after the original conversion period expired. The section also requires that written notice be presented to the employee or mailed to the last-known address.

Why the other options are wrong

• B) The right does not simply vanish; the statute grants the employee the extended window precisely because notice was not timely given.
• C) The extension is 25 days after notice, not 15 days, and it is measured from the giving of notice rather than the original expiration date.
• D) The extension is capped at 60 days from the original expiration, so it is not unlimited and is not a flat 31 days.

Memory hook

No 15-day warning, no problem: 25 extra days from the notice, capped at 60 from the original deadline.