An insured's policy contains the optional change-of-occupation provision, and he later takes a job in Cincinnati with a different level of occupational hazard. Which statement about this provision is correct under Ohio law?

Why D is correct

ORC 3923.05 makes change of occupation one of the optional provisions an individual A&H policy may contain. When the provision is included and the insured changes occupations, the benefit is adjusted to correspond to the hazard for which the premium paid would have purchased coverage — the policy stays in force with recalibrated benefits rather than lapsing.

Why the other options are wrong

• A) Wrong because the provision's purpose is to keep the policy in force with adjusted benefits, not to terminate it upon an occupation change.
• B) Wrong because reissuance is not required; the existing policy continues with proportionately adjusted benefits under the optional provision.
• C) Wrong because benefit adjustment for occupational change is exactly what the optional provision authorizes.

Memory hook

Change the job, recalibrate the benefit — not the policy.