Coverage start date for Group Health must occur no later than how many days after employment date?

• A. No later than 120 days after employment date
• B. No later than 90 days after employment date
• C. No later than 30 days after employment date
• D. No later than 60 days after employment date

Answer: (B)

The key idea is the waiting period for group health coverage—the time between when someone is hired and when their coverage begins. Federal rules under the ACA cap this waiting period at 90 days, so coverage must start no later than 90 days after the employment date. Shorter waiting periods are allowed (and common), but anything longer than 90 days isn’t permitted. That’s why the latest allowed start date is 90 days after hire.