State RegulationsPA specificDifficulty 3/5
A departing Pennsylvania group health member is weighing his options. Which statement best describes how continuation of group coverage under 40 P.S. § 981-1 relates to conversion to an individual policy under Pennsylvania's continuation framework?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Pennsylvania's architecture is sequential: continuation under 40 P.S. § 981-1 first keeps the departing member in the group plan for the period the act prescribes, and conversion under 40 P.S. § 981-9 supplies the individual policy route as continuation runs out or in the circumstances the law allows. The member need not choose between them as simultaneous equals; they are stages of protection within the Pennsylvania continuation framework. Understanding the sequence prevents the common error of treating conversion as the first and only remedy.
Why the other options are wrong
- A) The sequence runs the other way: continuation is the front-end protection, with conversion as the follow-on route.
- B) The rights are not simultaneous mutually exclusive alternatives; the act contemplates continuation followed by conversion.
- C) They are distinct sections with distinct subject matter — one continues group coverage, the other converts to an individual policy.
Memory hook
Continue first, convert after — Pennsylvania runs the protection in stages.