How many days ahead must fiduciaries give notice for non-renewal of a group plan?

• A. 30 days prior
• B. 45 days prior
• C. 60 days prior
• D. 90 days prior

Answer: (B)

Fiduciaries must provide advance notice to participants when a group health plan will not be renewed so people have time to arrange alternative coverage and understand their options. The required lead time is forty-five days before the plan’s renewal date. This window gives enough time for employees to consider enrollment in another employer plan, shop for alternative coverage, or review COBRA rights if applicable, without waiting too long into the renewal cycle. A shorter notice period could leave individuals scrambling to find coverage, while longer periods exceed what this rule requires. So, forty-five days ahead is the appropriate requirement.