State RegulationsOH specificDifficulty 1/5
Under an Ohio individual sickness and accident policy, when must the insurer pay a non-periodic indemnity after receiving due written proof of loss?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
ORC 3923.04(H) requires payment of non-periodic indemnities immediately upon receipt of due written proof of loss, or within 30 days after such receipt. Losses accrued on periodic indemnities are handled separately and must be paid at least monthly.
Why the other options are wrong
- A) Wrong because 10 days is not the Ohio payment standard; ORC 3923.04(H) allows up to 30 days after due proof.
- B) Wrong because 20 days is the notice-of-claim period under ORC 3923.04(E), not the payment deadline.
- C) Wrong because 60 days is the waiting period before a legal action under ORC 3923.04(K), not the payment window.
Memory hook
Lump sums in 30 days; accrued periodic amounts at least monthly.