Free Group Health Insurance Study Guide
Arkansas Life, Accident & Health exam — Group Health Insurance.
Group health basics (master policy and certificates, contributory and noncontributory plans, coordination of benefits, federal COBRA for employers with 20 or more employees) are in the national guide. The Arkansas-specific topic is state continuation of group health coverage under Ark. Code 23-86-114, which the Arkansas Health exam tests in detail.
Arkansas state continuation (23-86-114)
| Rule | Arkansas requirement |
|---|---|
| Eligibility | Insured under the group policy continuously for at least three months before employment or membership ended |
| Election | Requested in writing no later than 10 days after termination |
| Maximum length | Ends no later than 120 days after continuation began |
| Earlier end | Nonpayment of premium, Medicare eligibility, or termination of the group policy |
| Benefits not required | Dental, vision, and prescription drug coverage |
| Plans not subject | Self-insured employer plans |
State continuation is much shorter than federal COBRA. It is a separate right for employees whose plans fall under the state law.
Group life (related rules)
Under Arkansas group life law:
- A person leaving employment may convert to an individual policy without evidence of insurability by applying and paying the first premium within 31 days (23-83-117).
- The converted amount can't exceed the group coverage that ended. The premium is based on attained age and current risk class.
- If notice of the conversion right isn't given at least 15 days before the period expires, the person gets an additional period to convert (23-83-122).
- Death during the conversion period is paid as a group claim (23-83-119).
- A group life policy may let the insurer pay up to $10,000 of the benefit to a person who paid funeral or last-illness expenses (23-83-115).
Common exam traps
- State continuation: 3 months of prior coverage, 10 days to elect, 120 days maximum.
- Dental, vision, and prescription drugs need not be continued.
- Self-insured plans aren't subject to the state continuation law.
Practice Group Health Insurance questions All Life, Accident & Health topics
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
