What is the length of the grace period after the premium due date?

• A. Ten days after the premium due date
• B. Thirty-one days after the premium due date
• C. Fifteen days after the premium due date
• D. Sixty days after the premium due date

Answer: (B)

Grace period is the window after the premium due date during which the policy remains in force even if the payment hasn’t been received. This protects you from an automatic lapse due to a single late payment. For Minnesota Accident and Health policies, the standard length of this grace period is thirty-one days after the due date. Coverage continues for those 31 days, and if the premium isn’t paid by the end of that period, the policy generally lapses. (Other lengths—like 10, 15, or 60 days—aren’t the typical grace period for this context.)