Kate received a group accident and health termination notice. How many days does she have to apply for a converted policy?

In Connecticut, when an insured individual, like Kate, receives a termination notice for a group accident and health policy, she is granted a specified period to apply for an individual converted policy. This time frame is crucial as it ensures that individuals who find themselves without coverage can transition to a new individual policy without facing medical underwriting or other restrictions that might apply if they were to apply for coverage outside of this guaranteed issue window.

The correct time period for filing such an application in Connecticut is 31 days from the date of the notice of termination. During this time, Kate can submit her application for coverage, which helps maintain continuity in her health insurance coverage and protects her from any potential gaps in insurance. It is in place to safeguard consumers and ensure that they have access to health care without undue barriers after group coverage is lost.