A member's group health coverage ends and the continuation period expires. Within how many days after termination of the group coverage must the member apply in writing with the first premium to convert to an individual policy, and what evidence is required?

Why B is correct

G.S. 58-53-45 entitles the terminated employee or member to a converted individual policy without evidence of insurability, and G.S. 58-53-55 requires the written application and first premium no later than 31 days after the group coverage terminates. The converted policy takes effect the day after the later of the missed 31-day point or the end of the continuation period.

Why the other options are wrong

• A) Sixty days is the continuation election window under G.S. 58-53-10, and conversion under G.S. 58-53-45 requires no evidence of insurability.
• C) No medical examination or other evidence of insurability may be required for conversion; G.S. 58-53-45 grants the right without it.
• D) The conversion deadline is 31 days under G.S. 58-53-55; 180 days is the A&H proof-of-loss period under G.S. 58-51-15(a)(7).

Memory hook

Convert in 31 days, no health questions asked.