An employee in Dayton who has been covered under her employer's group life policy quits her job. Within how long after termination must she apply for the converted individual policy and pay the first premium, and is evidence of insurability required?

Why B is correct

Under ORC 3917.06(H)(1), an insured whose group life coverage ends because employment or membership terminates may convert to an individual policy by submitting the application and the first premium within 31 days after termination, and the insurer must issue the policy without requiring evidence of insurability. The converted policy also may not exceed the amount ceasing, reduced by other group life coverage for which the person becomes eligible within 31 days.

Why the other options are wrong

• A) 15 days is the notice period tied to the conversion right, not the application-and-first-premium window, and no evidence of insurability is required for a termination conversion.
• C) The 31-day window is correct, but ORC 3917.06(H)(1) expressly allows conversion without evidence of insurability.
• D) 60 days is the outside limit created only when the required conversion notice was not given; the standard conversion window is 31 days with no evidence of insurability.

Memory hook

Terminate, convert in 31 days, no health questions asked.