The 45-day notice requirement applies to which action?

• A. Increase in premiums
• B. Change in coverage
• C. Filing a claim
• D. Cancellation of a group health plan

Answer: (D)

The main idea here is that group health plan cancellations require advance notice to participants. A 45-day notice gives employees time to arrange alternative coverage and avoid sudden gaps in protection. This notice helps ensure continuity of care and allows individuals to explore options such as switching plans, securing a new employer plan, or pursuing continuation coverage where available. While notices may be required for other changes in a group plan, the 45-day requirement is specifically tied to cancellation of the plan. Filing a claim is a separate activity that doesn’t trigger a plan-cancellation notice, and increases in premiums or changes in coverage involve different notice rules or timelines.