An insured pays premiums on a non-group health policy through payroll deduction, and the employer fails to remit a premium to the insurer. How far in advance must the insurer mail notice of the employer's failure to remit before the policy is canceled or lapses?

Why B is correct

G.S. 58-50-35 protects employees in payroll-deduction non-group policies: when the employer fails to remit premiums, the insurer must mail the insured written notice of the employer's failure at least 15 days before the policy is canceled or lapses. The insured therefore gets a statutory warning window to arrange payment before coverage is lost through no fault of the insured's own.

Why the other options are wrong

• A) 10 days is the free-look return period under G.S. 58-51-10, not the remittance-failure notice period.
• C) 31 days is the A&H grace period for premiums not payable weekly or monthly — it does not set the notice deadline here.
• D) 45 days appears as an outside limit in the life premium-forfeiture notice rules, not in this payroll-deduction health provision.

Memory hook

Employer skips the premium? You get 15 days' warning before lapse.