A New York employee loses group life coverage, but the insurer sends its notice of the conversion privilege late — more than fifteen days after the qualifying event but within ninety days. What is the effect on the conversion period?

Why D is correct

Under N.Y. Ins. Law §3220(a)(8), the insurer must give notice of the conversion privilege within fifteen days before or after the event. When notice is late — given more than fifteen days but within ninety days after the event — the conversion window extends to forty-five days after the notice, but the privilege cannot run beyond ninety days after the event itself.

Why the other options are wrong

• A) The privilege is not lost; late notice extends rather than eliminates the conversion right under §3220(a)(8).
• B) The thirty-one-day window gives way to the extension when the insurer's own notice is late.
• C) There is no stacking of periods; the forty-five-day extension after the notice is capped at ninety days from the event.

Memory hook

Late notice buys forty-five more days; ninety is the ceiling.

Why D is correct

Under N.Y. Ins. Law §3220(a)(8), the insurer must notify a covered person of the conversion privilege within 15 days before or after the qualifying event. If notice is given late - between 15 and 90 days after the event - coverage extends until 45 days after the notice is given, and 90 days after the event is the outside cap. Late notice therefore extends rather than destroys the conversion right.

Why the other options are wrong

• A) The privilege is not lost; §3220(a)(8) extends coverage when notice is late rather than extinguishing the conversion right.
• B) The insured gets more than the leftover days - coverage extends for 45 days after the late notice is given.
• C) No evidence of insurability is required to convert group life coverage under §3220(a)(6); late notice does not change that.

Memory hook

Late conversion notice buys 45 more days; 90 days is the outside wall.