Conversion of Benefits

If an employee loses coverage under the group plan due to reasons such as termination of employment, leave of absence, or no longer meeting the eligible hours, they have the option to switch to an individual plan without needing to provide health evidence.
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However, this option must be exercised before a specific deadline, which can vary depending on the carrier.

The conversion option applies to several benefits, including Life, AD&D, Critical Illness, Extended Health, and Dental.