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.