State RegulationsNC specificDifficulty 1/5
A Raleigh employee had been covered under her employer's group health plan for only a brief period when her employment ended. Under G.S. 58-53-10, what prior-coverage requirement decides whether she may elect North Carolina state continuation?
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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, continuation eligibility requires that the employee or member have been continuously insured under the group policy for three consecutive months immediately before termination of employment or membership. An employee whose coverage history falls short of that period has no state continuation right and must look instead to the conversion privilege under G.S. 58-53-45 if the group coverage terminates.
Why the other options are wrong
- A) A short or sporadic coverage history does not qualify; the statute demands three consecutive months of continuous coverage.
- C) The 60-day figure is the minimum election period for continuation, not the prior-coverage eligibility requirement.
- D) The three-consecutive-month rule is precisely the continuation eligibility test under G.S. 58-53-10; it is not a conversion rule.
Memory hook
Three straight months of coverage unlocks the continuation door.