State RegulationsNY specificDifficulty 2/5
Rosa's employment in Buffalo ends and her group health coverage terminates. Under the New York Insurance Law, within how many days after her group health coverage ends may Rosa apply to convert it to an individual health policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under N.Y. Ins. Law §3221(e)(1), a person whose group health coverage ends may apply for a converted individual policy of health insurance within 60 days after coverage terminates, without evidence of insurability. Do not confuse this with group life conversion, which under N.Y. Ins. Law §3220 allows only 31 days; the New York Life, Accident & Health examination frequently tests this split between the two lines.
Why the other options are wrong
- A) 31 days is the group LIFE conversion window under N.Y. Ins. Law §3220; group health conversion under §3221(e) allows 60 days.
- B) 15 days relates to the insurer's notice of the conversion privilege, not to the length of the application window itself.
- C) 90 days is the outer cap that applies when the insurer's notice is late, not the ordinary application period.
Memory hook
Health converts in 60; life converts in 31. Never mix the two lines.