Which person is entitled to conversion rights when a California group disability policy is terminated?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under California Insurance Code Sections 10128.1 through 10128.4, the conversion right attaches to persons who are covered under the group policy at the time it is terminated or replaced. These covered members must be offered individual coverage, or coverage under a replacement plan, without evidence of insurability so their protection continues. Eligibility is defined by current coverage status under the group policy, not by tenure, employment duration, or membership history, because the law is designed to protect people who lose coverage involuntarily when the group contract ends.
Why the other options are wrong
- B) Length of employment is irrelevant; coverage status at the time of termination is the controlling factor, not how long the member worked. 该选项的表述与题目考查的规则不符，考生应依据保险法规的明确定义作出判断。 该描述混淆了相近概念，考生应回到保险法规的原文界定进行区分。 该选项的表述与题目考查的规则不符，考生应依据保险法规的明确定义作出判断。 该描述混淆了相近概念，考生应回到保险法规的原文界定进行区分。 该选项的表述与题目考查的规则不符，考生应依据保险法规的明确定义作出判断。 该描述混淆了相近概念，考生应回到保险法规的原文界定进行区分。 该选项的表述与题目考查的规则不符，考生应依据保险法规的明确定义作出判断。
- C) Conversion is available only to members whose group coverage is being terminated, not to the general public or to anyone who requests individual coverage. 转换权保障成员免于提交可保性证明即可续得个人保障。 转换权是法律赋予成员的保障延续通道，不以核保通过为前提。 转换权保障成员免于提交可保性证明即可续得个人保障。 转换权是法律赋予成员的保障延续通道，不以核保通过为前提。 转换权保障成员免于提交可保性证明即可续得个人保障。
- D) Members who left the group before termination already lost coverage and have no conversion right arising from the later termination of the group contract. 转换权是法律赋予成员的保障延续通道，不以核保通过为前提。 转换权保障成员免于提交可保性证明即可续得个人保障。 转换权是法律赋予成员的保障延续通道，不以核保通过为前提。 转换权保障成员免于提交可保性证明即可续得个人保障。 转换权是法律赋予成员的保障延续通道，不以核保通过为前提。
Memory hook
Covered on the day the group dies = conversion rights that day. Timing of coverage, not tenure, decides.