State RegulationsOH specificDifficulty 1/5
An eligible Ohio group long-term care insured timely submits the conversion application and first premium. When does the converted individual policy take effect?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under OAC 3901-4-01, an individual policy converted from a terminated group LTC policy is effective the day after the group policy terminates, creating seamless coverage with no gap. Combined with the requirement that the application and first premium be submitted within 30 days after termination and without evidence of insurability, this effective-date rule ensures continuous protection for qualifying Ohio insureds.
Why the other options are wrong
- B) Tying effectiveness to a monthly approval cycle would create a coverage gap Ohio's rule does not allow.
- C) The 30-day figure is the application deadline, not a waiting period after approval.
- D) Coverage does not wait for a claim; it takes effect the day after group termination for timely converts.
Memory hook
Convert on time, wake up covered: effective the day after the group plan ends.