State RegulationsNY specificDifficulty 3/5
A group life insurer gives a covered person the required conversion-privilege notice late - more than 15 days after coverage ends, but within 90 days. Under N.Y. Ins. Law §3220(a)(8), the effect is that:
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Answer & full 3-part explanation (select an option above, or peek)
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.