One master policy is issued to the employer (the policyholder). Each covered employee receives a certificate of insurance.

Individual evidence of insurability is generally not required when an employee enrolls during the eligibility period. In a contributory plan (the employee pays part of the premium), the policy may require evidence from an employee who did not sign up during that period (§10210).

Conversion when employment ends (Ins. Code §10209): if the employee applies within 31 days after employment ends for any reason, they can get an individual policy in any form the insurer customarily issues other than term, in an amount equal to their group coverage, at the premium for their class and attained age, without evidence of insurability.

If the employee dies during that 31-day period, the amount they could have converted is paid as a claim under the group policy.

If the employee was not told about the conversion right at least 15 days before it expires, they get extra time: 25 days after being notified, but no more than 60 days past the original deadline.