State RegulationsOH specificDifficulty 2/5
Which requirement applies to the outline of coverage for an Ohio long-term care policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
OAC 3901-4-01(DD), reinforced by ORC 3923.44(I), requires that the LTC outline of coverage be delivered to applicants and that it contain no advertising material. The outline is a pure disclosure document describing benefits, exclusions, and terms, so Ohio keeps sales promotion out of it and lets consumers compare coverage on the facts.
Why the other options are wrong
- A) Promotional inserts would turn a disclosure document into advertising, which Ohio expressly forbids in the outline.
- B) The outline must be delivered at the point of sale, not after a claim arises.
- D) The shopper's guide is a separate required document; the outline does not replace it.
Memory hook
Outline = facts only, no flyers — Ohio keeps the ads out of the disclosure.