State RegulationsNY specificDifficulty 2/5
Two coworkers in Buffalo lose their jobs: one was covered by group life insurance, the other by group health insurance. Under New York law, their conversion application periods are:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under New York law the conversion periods differ by line of business: group life conversion requires application within 31 days of the qualifying event under N.Y. Ins. Law §3220(a)(6), while group health conversion allows 60 days after coverage ends under §3221(e)(1). Neither requires evidence of insurability. Mixing the two figures is a classic exam trap, so always identify the line of business first.
Why the other options are wrong
- A) This reverses the figures: group life is 31 days under §3220(a)(6) and group health is 60 days under §3221(e)(1).
- B) 31 days is the group life figure only; group health conversion allows 60 days under §3221(e)(1).
- D) 60 days is the group health figure only; group life conversion requires application within 31 days under §3220(a)(6).
Memory hook
Life 31, health 60 - read the line of business first.