State RegulationsNC specificDifficulty 1/5
Group health coverage terminates and the member does not elect continuation. To exercise the conversion privilege, the member must submit a written application and the first premium to the insurer no later than how many days after the group coverage terminates?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under G.S. 58-53-55, the written application and the first premium for the converted policy must be submitted no later than 31 days after termination of the group coverage, and under G.S. 58-53-45 the conversion is available without evidence of insurability. The converted policy takes effect the day after the later of (i) the group termination not replaced within 31 days, or (ii) the end of any continuation period actually elected.
Why the other options are wrong
- A: 10 days is the standard free-look return period (G.S. 58-51-10; 11 NCAC 12 .0447), not the conversion application deadline.
- B: 60 days is the minimum continuation election window under G.S. 58-53-10; the conversion application itself is due within 31 days (G.S. 58-53-55).
- D: 180 days belongs to the proof-of-loss and claim-filing windows (G.S. 58-51-15(a)(7); G.S. 58-3-225(f)), not the conversion deadline.
Memory hook
Convert in 31 days, no medical exam.