Under California law, when a group disability insurance policy is terminated or replaced, the insurer or group policyholder must:

Why A is correct

California Insurance Code Sections 10128.1 through 10128.4 require that when group disability insurance, which includes health and disability coverage, is terminated or replaced, qualified covered members must be offered conversion rights or coverage under the replacement group plan with no loss of benefits they already have. Members typically may convert to an individual policy without new evidence of insurability. This protects employees who would otherwise lose coverage through no fault of their own when the group contract ends, and it is a mandatory part of the insurer's duties upon termination.

Why the other options are wrong

• B) Group coverage is not automatically extended free for a year; the statute requires an offer of conversion or replacement, not free continuation of the group contract. 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。
• C) Refunding all premiums is not the statutory remedy; the protection the law provides is continuity of coverage through conversion or replacement. 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。 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) Conversion must be available without new evidence of insurability, so medical underwriting is generally not required for the conversion right. 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。 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

Group plan dies? California says convert or replace: the member keeps coverage, no new medical exam.