State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 3/5
An employee's group life coverage has terminated, but the employee was not notified of the conversion right at least 15 days before the 31-day conversion period expired. Under CIC Section 10209(b), the employee:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 10209(b) provides that if the employee is not given notice of the conversion right at least 15 days before the period's expiration, the employee gets an additional period that expires 25 days after notice is given, but in no event beyond 60 days after the original expiration date. This protects employees who never learned they had a conversion right. It is a California-specific group life provision under objective LIFE-II.G.2.
Why the other options are wrong
- B) The right is extended, not lost; the statute protects an employee who received no timely notice.
- C) The extension is 25 days after notice, not a fixed 15 days.
- D) Conversion under Section 10209 never requires evidence of insurability, with or without the extension.
Memory hook
No notice, no problem: 25 more days after notice, hard cap at 60 days total.