1. When New York group health coverage ends, an eligible employee may continue coverage (NY continuation) for up to:

36 months

New York continuation coverage allows eligible individuals to continue group coverage for up to 36 months.

2. When New York group health coverage terminates, a covered employee may have the right to:

Convert to an individual or direct-payment contract without evidence of insurability

New York group health insureds generally have a conversion right to an individual or direct-payment contract without proving insurability.

3. For New York community-rated small-group coverage, a small group generally means an employer with:

100 or fewer eligible employees

New York defines a small group as an employer with 100 or fewer eligible employees for community-rated coverage.

4. In group health insurance, the actual insurance contract is issued to the:

Group sponsor (such as the employer) as a master contract

The insurer issues a master contract to the group sponsor; individual members receive certificates of coverage.