State RegulationsFL specificDifficulty 3/5
Which statement correctly distinguishes continuation from conversion for group health coverage in Florida?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Continuation lets a person who loses eligibility keep the existing GROUP coverage in force on a temporary basis, while conversion is the right to buy an INDIVIDUAL policy — typically without evidence of insurability — to replace the lost group coverage permanently. Under Chapter 627, Florida Statutes, both rights protect covered persons at the end of employment, but neither ordinarily requires proof of insurability. The key distinction is which contract the insured ends up holding.
Why the other options are wrong
- A) This reverses the two rights: continuation is the temporary group-coverage right, and conversion is the individual-policy right.
- B) Conversion rights do not depend on whether the termination was voluntary, and continuation is not limited to involuntary losses.
- C) Neither right ordinarily requires the departing covered person to prove insurability to the insurer.
Memory hook
Continuation = same plan, temporarily; conversion = new plan, permanently.