If replacement of existing Group Health Insurance occurs, liability for coverage must begin within how many days by the new insurer? (Alternate wording)

• A. 7 days
• B. 14 days
• C. 21 days
• D. 15 days

Answer: (D)

Continuity of coverage is at stake: when a group health policy is replaced, the new insurer must take over liability promptly to avoid a lapse in protection. The rule requires that the new insurer begin liability within 15 days of the replacement’s effective date. This timing strikes a balance between administrative practicality and ensuring benefits are payable without a gap for the insured. Shorter times like 7 days could be unworkable for processing, and 21 days would leave a longer gap, which is not preferred; 15 days is the standard.