Kate received a group accident and health termination notice. How many days does she have to apply for a converted policy?

When an individual, such as Kate, receives a termination notice for a group accident and health insurance plan, they typically have a specific timeframe to apply for an individual converted policy. In many jurisdictions, including Wisconsin, this period is often set at 31 days. This allows the insured a reasonable window of time to transition from group coverage to an individual policy without having to undergo medical underwriting. Such provisions are established to ensure that individuals do not find themselves without health coverage due to the loss of their group health plan. This 31-day period is especially important as it gives the individual a chance to secure a policy that continues to cover them without gaps, maintaining their health insurance standing.