L&HMImedium
Under Michigan group life law, what right does a covered employee generally have when group coverage terminates due to ending employment?
ANo right to continue any coverage
BRight only to continue group coverage by paying double premium for 6 months, with no conversion to an individual policy available
Right to convert to an individual policy without evidence of insurability within the statutory window
DRight to be re-enrolled at the employer's next open enrollment
Why this is the answer
MCL 500.4400 et seq. requires Michigan group life policies to provide a conversion right allowing a terminating insured to obtain an individual life policy without proof of insurability, provided written application and first premium occur within the statutory window.
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