In Pennsylvania, insureds entitled to convert their group insurance to individual coverage must receive notice of their right to convert at least how many days prior to the expiration of those rights?
In Pennsylvania, insured individuals who are entitled to convert group insurance coverage to an individual policy must receivewritten notice of their conversion rights at least 20 days prior to the expiration of those rights. Pennsylvania Life and Health Insurance statutes and approved licensing study guides emphasize that this notice requirement exists to protect consumers from unintentionally losing coverage when group insurance terminates.
Conversion rights typically apply when an insured loses eligibility under a group plan due to employment termination, reduction in hours, or other qualifying events. The insurer or policyholder is required to inform the insured of the right to convert without evidence of insurability. If the required notice is not provided within the mandated timeframe, Pennsylvania law extends the conversion period, ensuring continued consumer protection.
The other timeframes listed—5, 10, and 15 days—are not recognized under Pennsylvania insurance regulations as sufficient notice periods. These shorter durations fail to meet the statutory requirement and could place insureds at risk of coverage gaps.
Therefore, based on Pennsylvania Life, Accident, and Health Insurance laws and official exam preparation materials,20 daysis the correct and verified answer.
Contribute your Thoughts:
Chosen Answer:
This is a voting comment (?). You can switch to a simple comment. It is better to Upvote an existing comment if you don't have anything to add.
Submit