Under CIC Section 10209, if an employee is not given notice of the conversion right at least 15 days before the conversion period expires, the employee:

Why A is correct

Section 10209(b) provides that when the employee is not given notice of the conversion right at least 15 days before the period's expiration, the employee receives an additional period to exercise the right, ending 25 days after notice is given, but in no event extending beyond 60 days after the original expiration date. Notice may be given in writing or mailed to the employee's last known address. The extension protects employees who were never told about the right in time to use it, ensuring that a failure of communication by the employer or insurer does not cost the employee the coverage.

Why the other options are wrong

• B) The provision exists to protect the employee's right when the insurer or employer fails to give timely notice; it does not extinguish the right. Losing the conversion right entirely would penalize the employee for the other party's failure.
• C) The extension is 25 days measured from the date notice is given, capped at 60 days from the original expiration. It is not an unconditional 60-day extension regardless of when notice is provided.
• D) Reapplying for group coverage has nothing to do with the notice-based extension. The employee already holds the conversion right; the extension simply preserves it until proper notice is given.

Memory hook

Late notice on conversion = 25 days extra after notice, hard stop at 60 days past expiration.

Why A is correct

Under CIC Section 10209(b), if an employee entitled to convert group life coverage to an individual policy is not given written notice of the conversion right at least 15 days before the conversion period expires, the employee has an additional period to exercise the right. That additional period expires 25 days after the notice is finally given, but in no event may it extend beyond 60 days after the expiration date of the period provided in the policy - here, the original 31-day conversion window. The statute also makes clear that the extension applies only to the time to apply for conversion, not to the continuation of the group coverage itself. Once proper notice is given, the standard 31-day period applies.

Why the other options are wrong

• B) The extension is a 25-day window measured from the date the late notice is given and subject to the statutory 60-day outer limit - not an automatic 31-day addition to the original period.
• C) The conversion right is not forfeited; it is extended precisely to remedy the harm caused by the missing notice.
• D) The conversion period is lengthened, never shortened, when the required notice was not given.

Memory hook

No 15-day heads-up means 25 more days, capped at 60 days past the original 31-day window.