Under Massachusetts group life law c. 175 §134, within how many days after termination of group coverage must an employee generally apply to convert to an individual policy without evidence of insurability?

Why this is the answer

M.G.L. c. 175 §134 requires MA group life policies to grant a conversion right to an individual policy without evidence of insurability if the employee applies and pays the first premium within 31 days after group coverage terminates.