State RegulationsOH specificDifficulty 1/5
After a covered loss occurs, within how many days of the occurrence or commencement of loss must written notice of claim be given under an Ohio individual sickness and accident policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
ORC 3923.04(E) requires written notice of claim within 20 days after the occurrence or commencement of any loss covered by the policy, or as soon after as is reasonably possible. For long-duration loss-of-time claims, notice must be continued at least every 6 months during the pendency of the claim.
Why the other options are wrong
- A) Wrong because 10 days is not the Ohio notice-of-claim period; the statutory figure in ORC 3923.04(E) is 20 days.
- C) Wrong because 30 days is the payment deadline for non-periodic indemnities under ORC 3923.04(H), not the notice deadline.
- D) Wrong because 90 days is the proof-of-loss window under ORC 3923.04(G), a separate step that follows the 20-day notice.
Memory hook
Notice in 20 days, updates every 6 months for long claims.