An insured under an individual accident and sickness policy is called to active military service. Under Virginia's military suspension provision (14 VAC 5-141-30(I)), what protection does the policy provide during that service?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Virginia's military suspension provision, 14 VAC 5-141-30(I), protects insureds whose military service makes it impossible to meet ordinary policy deadlines: the policy's time limits — the grace period, notice of claim, furnishing proof of loss, and bringing legal action — are suspended or extended while the insured is on active duty, so those protections resume rather than expire during service. The rule exists because a person in uniform cannot be expected to watch every policy clock. Without it, service members would lose coverage protections through no fault of their own, which the Virginia Bureau of Insurance treats as an unacceptable outcome.
Why the other options are wrong
- B) Military service does not terminate the policy or forfeit premiums; the provision exists to preserve the insured's rights, not cancel them.
- C) Nothing in the provision doubles benefits; it adjusts time limits, not the amount of coverage.
- D) No conversion to a military-administered group plan occurs; the individual policy continues with suspended deadlines.
Memory hook
Called up? The policy's clocks stop while you serve.