State RegulationsOH specificDifficulty 3/5
An Ohio resident was continuously insured under her employer's group long-term care policy, which is now terminating. She wants an individual LTC policy without proving insurability. Under Ohio rules, which combination of requirements applies?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Ohio's group-to-individual conversion rule under OAC 3901-4-01 entitles a person continuously insured under a group LTC policy for at least 6 months immediately before termination to a converted individual policy without evidence of insurability, provided the application and first premium are submitted within 30 days after termination. The converted coverage bridges the gap when group LTC protection ends.
Why the other options are wrong
- A) The qualifying period is 6 months, not 12, and the conversion deadline is 30 days, not 63 days.
- C) Three years overstates the required group coverage period, and 31 days is not the conversion deadline.
- D) Ohio imposes a firm 30-day application deadline after termination; age 65 does not extend it.
Memory hook
Group LTC exit: 6 months in, 30 days out — convert with no health questions.