State RegulationsNC specificDifficulty 2/5
After group health coverage terminates, a former member wants the conversion privilege. Under G.S. 58-53-55, the written application and the first premium for the converted individual policy must be submitted no later than how many days after the group coverage terminates?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under G.S. 58-53-55, the written application and first premium are due no later than 31 days after termination of group coverage, and no evidence of insurability is required under G.S. 58-53-45. The converted policy takes effect the day after the later of the termination (if not replaced within 31 days) or the end of the continuation period.
Why the other options are wrong
- A) 10 days is the standard free-look return period, not the conversion-application deadline.
- B) No 20-day conversion window exists; G.S. 58-53-55 fixes the deadline at 31 days.
- D) 60 days is the continuation election window under G.S. 58-53-10, not the conversion application deadline.
Memory hook
Convert within 31, no medical exam asked.