State RegulationsFL specificDifficulty 2/5
What must a departing Florida employee do to actually obtain the individual policy through the group life conversion privilege?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Chapter 627, Florida Statutes, the conversion privilege is a right, not an automatic process: the departing employee must apply for the individual policy within the conversion period and pay the individual-rate premium to put it in force. No medical examination is required, and the employer plays no part in the application. Employees who wait too long lose the right.
Why the other options are wrong
- B) The employer has no role in the employee's conversion application.
- C) No evidence of insurability is required, and individual - not group - rates apply.
- D) Conversion never happens automatically; the employee must elect it affirmatively.
Memory hook
Convert by choice: apply and pay, inside the window.