State RegulationsNC specificDifficulty 2/5
Sixty days after losing her job, a former employee elects to continue her group health coverage and tenders the first contribution. What is the effect under North Carolina law?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under G.S. 58-53-10, an eligible employee may elect continuation for a period of not fewer than 60 days after termination of group coverage, with the first contribution due upon election, and the continued coverage is retroactive to the termination date. No evidence of insurability is required for the election itself.
Why the other options are wrong
- A) Continued coverage is retroactive to the termination date under G.S. 58-53-10, not prospective from the date of election.
- C) The statute requires the first contribution upon election; it does not condition retroactivity on paying everything within 10 days.
- D) Evidence of insurability is not required for continuation; the no-evidence rule appears in the conversion privilege under G.S. 58-53-45.
Memory hook
Elect within the window, pay the first contribution, and coverage jumps back to day one.