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:
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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.