What is required if an employee joins a group plan after an Enrollment Period?

When an employee joins a group plan after the designated Enrollment Period, they are typically required to provide evidence of insurability. This means that the individual must demonstrate that they are in good health and do not present an elevated risk to the insurer compared to when they could have initially enrolled during the open enrollment period.

The purpose of requiring evidence of insurability is to help the insurance company assess the risk associated with the new enrollee who is applying outside of the standard enrollment time frame. If the group plan allows late enrollment, this process helps ensure that the employer group's overall health risk is manageable and that premiums are adequately set based on the health status of all members.

In contrast, the other options are related to different insurance concepts. Evidence of payment pertains to showing that premiums have been paid, which is not relevant when specifically discussing late enrollment. Evidence of conversion is related to converting a group policy to an individual policy when moving out of a group setting, and evidence of incontestability applies to a period after which an insurer cannot contest a claim or deny coverage has to be in force for a certain time, usually not directly connected to enrollment practices.